Consumer complaint received 2025-06-24 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: NJ

Complaint narrative:
Dear CFPB Representative, I am writing to formally file a complaint against Equifax for repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Equifax has continuously failed to maintain accurate, complete, and verifiable information on my credit report despite my multiple disputes. The following issues remain unresolved, severely impacting my creditworthiness. 
Accounts with Inaccurate or Harmful Reporting : 1. XXXX XXXX  Acct # : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$3300.00} Issue : Repeated late payments reported inaccurately. 
Problem Details : This account has been reported with late payments that I dispute as inaccurate. I was affected financially during this time and requested forbearance, which was ignored by the creditor. Despite requesting proper verification from Equifax under FCRA 611 ( 15 U.S. Code 1681i ), no documented proof was provided.

Law Violated : FCRA 607 ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy.

FCRA 611 Failure to reinvestigate disputed information. 
XXXX. XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$240.00} Issue : Incorrectly reported late payments. 
Problem Details : This account is reporting late payments even though the due date structure was deferred for a period. My attempts to clarify this and provide supporting documentation were ignored. The furnishing party failed to properly update the status, and Equifax continued reporting without reinvestigation.

Law Violated : FCRA 1681s-2 ( a ) ( 1 ) ( A ) Duty of data furnisher to provide accurate information.

FCRA 611 Failure to correct or delete inaccurate information after dispute. 
XXXX. XXXX XXXX  XXXX. Acct # : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Credit Limit : {$1000.00} Issue : Late payments inaccurately reported. 
Problem Details : XXXX XXXX  failed to honor a payment arrangement that was agreed upon in writing. Despite this, late payments were reported and Equifax failed to verify the legitimacy of those derogatory entries. The reporting was incomplete and misleading.

Law Violated : FCRA 607 ( b ) Reporting inaccurate and misleading account status.

FCRA 611 Failure to delete inaccurate data upon dispute. 
Hard Inquiries Without Proper Authorization : The following inquiries were made on my Equifax credit file without my consent or knowledge. No permissible purpose under FCRA XXXX ( XXXX XXXX Code XXXX ) was ever established : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Problem Details : I never authorized any of the above-mentioned entities to access my credit file. These inquiries have negatively affected my score and were done without my initiation, knowledge, or any valid credit application.

Law Violated : FCRA 604 Obtaining consumer report without permissible purpose.

FCRA 616/617 Civil liability for willful and negligent noncompliance. 
Summary of Violations : 1. Reporting inaccurate and unverifiable derogatory information.

2. Ignoring evidence and disputes filed in compliance with FCRA 611.

3. Allowing unauthorized inquiries that breach privacy and FCRA rights.

4. Failing to maintain accurate and complete data on my credit file.

Harms I Have Suffered : My credit scores have dropped significantly.

I have been denied credit and loans based on these inaccuracies.

I have suffered emotional distress due to the mishandling of my data.

Time, effort, and financial resources have been wasted attempting to correct Equifax 's errors.

Requested Relief : 1. Immediate deletion or correction of all inaccurate late payment entries.

2. Removal of all unauthorized hard inquiries.

3. A thorough reinvestigation of each account and inquiry listed.

4. Financial compensation for damages suffered, if applicable.

5. Enforcement action against Equifax for non-compliance with federal law.

I respectfully urge the CFPB to investigate Equifaxs pattern of negligent behavior and take appropriate action. This is a matter of severe personal and financial harm, and I request this complaint be treated as urgent.

Company response to consumer: Closed with non-monetary relief