Consumer complaint received 2025-09-04 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: CA

Complaint narrative:
This complaint is submitted to the CFPB to address multiple violations of my rights under the FCRA, including inaccurate reporting of charge-off accounts and an incorrect address. Sections 602, 607, 609, 611, 623, 1681i, 1681e ( b ), and 1681s-2 require reporting agencies and creditors to ensure that all information is fully verified and accurate. The presence of these false items has caused financial loss, emotional distress, and disruption of my creditworthiness. I demand immediate investigation, verification, and corrective action by the CFPB. 

Accounts DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$7200.00} Late Payment * * This account has been incorrectly reported as late, despite my consistent and documented payment history. I have reviewed statements, bank records, and payment confirmations, which show no delinquency at the reported dates. The inaccurate reporting of late payments misrepresents my financial behavior and unfairly impacts my creditworthiness. Under FCRA Section 611, it is required that the bureau reinvestigate disputed items with complete diligence. The accounts current reporting is misleading to lenders and may result in denial of credit, higher interest rates, or other financial harm. I request thorough verification and correction or deletion if the late payments can not be substantiated with documentation. 

DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$4100.00} Late Payment XXXX XXXX This entry appears to be a duplicate or erroneous reporting of the previous account. The late payments listed are inaccurate and not supported by my payment history. Maintaining duplicate or misreported accounts artificially inflates my negative credit data and violates FCRA standards. I have records that demonstrate timely payments, and the presence of these false entries is prejudicial to my financial standing. FCRA Section 609 and 611 obligate the bureau to ensure accuracy and completeness. I request a full reinvestigation and immediate correction or deletion if verification is not provided. 

Inquiries XXXX XXXXXX/XX/XXXX I did not authorize this inquiry and have no relationship with this company that would justify its presence on my credit report. Reporting it violates FCRA provisions regarding consumer consent. Unauthorized inquiries can negatively affect my creditworthiness and mislead lenders. I request that it be removed immediately, and that the reporting source provide documentation verifying my authorization. Any unverifiable inquiry must be permanently deleted. 

XXXXXXXX XXXXXX/XX/XXXX I did not provide consent for this hard pull. Its presence is inaccurate and violates my rights under FCRA. Unauthorized inquiries can lead to an unfair reduction in credit score and misrepresent my credit-seeking activity. I request a detailed verification and deletion if my authorization can not be verified. Written confirmation of its removal is required to ensure my credit report reflects only accurate and authorized activity. 

I ask the CFPB to oversee the full reinvestigation and correction of all disputed items on my credit report, including the wrong address and all fraudulent or misreported accounts. The harm caused by these inaccuracies is significant, affecting my credit, finances, and personal well-being. I request written verification that all corrections have been implemented and enforcement of accountability where necessary.

Company response to consumer: Closed with non-monetary relief