Consumer complaint received 2025-09-21 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:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) because my credit reports are reporting inaccurate and incomplete information that is causing harm to my credit standing and my ability to obtain fair credit opportunities. I have tried to resolve these errors directly with the credit bureaus and the furnishers of information but the results have been unsatisfactory and the accounts continue to report inaccurately. This is a direct violation of the Fair Credit Reporting Act ( FCRA ) which requires that all information reported must be 100 % accurate, verifiable, and timely under FCRA 602, 603, 604, 607, 609, 610, 611, and 623. I am demanding CFPBs assistance in having these accounts fully investigated, verified with proper documentation, and corrected or deleted if the information can not be proven with legally required documentation. The following accounts are in dispute : Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Balance Owed : {$10000.00} This account is being reported as a charge-off, which is a severe derogatory status that has not been properly validated. Under FCRA 609 ( a ) ( 1 ), I have the right to see every piece of information relied upon for reporting this charge-off, including the original signed agreement, complete payment history, and the date of first delinquency. No such documentation has been provided despite repeated requests. A charge-off can not be legally reported if it is inaccurate or unverifiable, and continued reporting without validation is a direct violation of FCRA 611. This false charge-off severely impacts my credit score and my ability to obtain credit. If the bureau can not obtain full validation from the furnisher, this charge-off must be permanently deleted to comply with federal law. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$0.00} Late Payment * * This account shows a balance of {$0.00} but still reports late payments, which is logically inconsistent and harmful to my credit. If there is no balance due, there is no valid delinquency to report. Under FCRA 607 ( B ), you must ensure maximum possible accuracy, and reporting a late payment on a closed or {$0.00} balance account is inaccurate. Additionally, under FCRA 611 ( a ), I am entitled to a full reinvestigation and method of verification for this item. Provide proof of each alleged late payment, including dates, statements, and evidence from the original creditor. If you can not provide this documentation, you are legally obligated to delete this account. Failure to correct this will result in complaints filed with the CFPB, FTC, and state Attorney General for noncompliance and damages. 

I am asking CFPB to review this complaint and intervene to ensure that all the above accounts are either fully verified with original documentation including contracts, payment ledgers, and signed records or immediately deleted from my credit reports in compliance with FCRA 602, 607, 609, 611, and 623. The continued reporting of unverifiable late payments is damaging my credit profile and violates federal law. I respectfully request CFPBs help to enforce my consumer rights and ensure my credit reports reflect only accurate, complete, and verifiable information.

Company response to consumer: Closed with explanation