Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am submitting this complaint to the CFPB because my credit report contains multiple material inaccuracies, including wrong addresses and falsely reported late payments, which are severely impacting my financial reputation, creditworthiness, and ability to access fair credit. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to dispute these errors and demand immediate correction. 

XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$82000.00} Late Payments * * This account contains multiple late payments that are not accurate. I never received proper notices of delinquency as required by FCRA Section 609 ( a ) ( 1 ). No verification has been provided despite my previous disputes. The creditor has not supplied statements proving these late payments. Reporting unverified late payments violates FCRA Section 611 ( a ) because it is incomplete and misleading. This accounts negative history has significantly impacted my credit score. The balance and payment history are inconsistent with my records. I dispute the accuracy of each reported late payment. If verification can not be produced, this account must be deleted immediately. Reinvestigation under Section 611 is legally required. 

XXXX XXXX XXXX XXXX  * Date Opened : XX/XX/XXXX Balance : {$11000.00} Late Payments * * Multiple late payments are reported inaccurately. The account has been previously disputed, and verification documents were never provided. FCRA Section 611 ( a ) entitles me to a reasonable reinvestigation and correction of unverifiable information. The balance and payment records reported are inconsistent with my actual account history. Late payments reported without proof violate Section 609 ( a ) ( 1 ). This inaccurate reporting has caused undue harm to my creditworthiness. No statements, billing records, or transaction logs have been supplied. I request full deletion if verification can not be supplied. Each instance of reported late payment must be validated. Failure to correct these errors is a violation of FCRA and consumer protection law. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payments * * Reporting late payments on a {$0.00} balance is misleading and can not be verified. Under FCRA Section 609 ( a ), I am entitled to see supporting documentation for every payment reported. The creditor has failed to provide proof despite multiple prior disputes. This account shows negative information that is unverifiable and incomplete. FCRA Section 611 ( a ) requires the removal of any information that can not be validated. Each reported late payment lacks legal substantiation. Continuing to report unverifiable late payments is a violation of my rights. The balance and payment history contradict my records. I request immediate removal if verification is not possible. The negative impact of these entries is substantial. 

XXXXXXXX XXXX XXXX  XXXX * * Date Opened : XX/XX/XXXX High Credit : {$370.00} Late Payments * * This account shows inaccurate late payments that I dispute under FCRA Sections 609 and 611. I have never received proof of these reported delinquencies. The creditor failed to respond to prior disputes with verification. The reported high credit and payment history do not match my records. Reporting unverifiable late payments constitutes misleading and incomplete reporting under Section 611 ( a ). The negative entries have caused harm to my credit profile. I request full deletion of unverifiable negative information. Each late payment must be legally substantiated with supporting documentation. XXXX violates federal law. I demand that unverifiable information be removed immediately. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX * * Date Opened : XX/XX/XXXX Balance : {$640.00} Collection * * This collection account is inaccurate and can not be verified. Under FCRA Sections 607 ( b ) and 611 ( a ), furnishers must provide proof of debt upon dispute. No validation has been received despite multiple prior challenges. The reported balance and account history are inconsistent with my records. Unverified collections violate Sections 609 and 611. The reporting is misleading and harms my creditworthiness. I dispute the legitimacy of this account. Failure to provide verification mandates deletion. All unverifiable collections must be removed immediately. I demand reinvestigation under FCRA with supporting documents. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$660.00} Collection * * This collection is reported without proper verification. FCRA Section 623 ( a ) ( 1 ) ( A ) requires that furnishers provide accurate and complete information. I have not received any proof of this account or its payment history. Reporting unverified collections violates federal law and misleads creditors. The negative reporting is inaccurate and harms my credit score. I request verification or immediate deletion. The balance reported is inconsistent with my records. Unverified collections can not legally remain on my report. I demand full reinvestigation under FCRA Sections 609 and 611. If verification is not provided, this account must be removed. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX * * Date Opened : XX/XX/XXXX High Credit : {$530.00} Collection * * This account is unverifiable and has been previously disputed without proper response. Under FCRA Sections XXXX and XXXX, I am entitled to full validation of the debt. No proof of charges or payment history has been provided. Reporting unverifiable collections violates my consumer rights. The balance and history are inconsistent with my records. The account should be corrected or deleted if verification can not be produced. Unverified negative reporting is misleading. FCRA mandates reinvestigation and removal of inaccurate information. The continued presence of this account on my file harms my creditworthiness. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX * * Date Opened : XX/XX/XXXX Balance : {$440.00} Collection * * This collection is inaccurate and unverifiable. Under FCRA Sections 607 ( b ) and 611 ( a ), I am entitled to verification of all reported debts. No validation has been supplied despite repeated disputes. The reported balance does not match my records. Continued reporting of unverifiable collections violates federal law. I dispute the accuracy of this account and demand immediate removal if verification is not provided. The negative impact on my credit report is significant. Unverified information must be corrected or deleted. Reinvesigation is required under FCRA. Failure to comply is unlawful. 

XXXX XXXX  XXXX * * Date Opened : XX/XX/XXXX Balance : {$14000.00} XXXX XXXX * * This charge-off is inaccurate and unverifiable. FCRA Sections 609 and 611 entitle me to validation and supporting documentation for the charge-off. No documentation has been provided despite multiple disputes. Reporting unverifiable negative information violates federal law. The account balance and history do not match my records. I dispute this charge-off and demand deletion if verification can not be provided. Unverified reporting is misleading and harms my credit profile. Each reported negative item must be substantiated with proper documentation. I request immediate reinvestigation under FCRA. Continued reporting without verification is unlawful. 

I request the CFPB to take immediate action to enforce compliance with FCRA and FDCPA, correct all inaccuracies, and reinvestigate the disputed items. The inclusion of incorrect addresses and falsified late payments constitutes material inaccuracy that continues to harm my financial health. I demand that my credit report be corrected to reflect accurate information and prevent further harm to my creditworthiness.

Company response to consumer: Closed with explanation