Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
To whom it may concern, I am writing this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding numerous inaccuracies, violations, and errors on my credit report that have caused severe and ongoing financial and emotional distress. Despite my repeated attempts to resolve these matters directly with the credit reporting agencies and furnishers, the accounts, inquiries, and addresses listed below continue to appear on my reports in violation of federal law. I am requesting a full investigation and immediate correction or deletion under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, the Fair Debt Collection Practices Act ( FDCPA ), and applicable laws and regulations. 
ACCOUNTS WITH ISSUES XXXX XXXXXXXX Acct # : XXXX Opened : XX/XX/XXXX Balance : {$3000.00} Issue : Late Payment Law : FCRA 1681s-2 ( a ) Furnishers must report accurate information Story : I had an unexpected emergency and reached out to XXXX XXXX  for assistance, yet they failed to offer any flexibility. I was not properly notified or given adequate time to address the issue. The late mark was added unfairly and is hurting my credit score. I request that the payment history be corrected or this account be updated to reflect Paid on time. 
XXXX, XXXX XXXX XXXX Acct # : XXXX Opened : XX/XX/XXXX Balance : {$790.00} Issue : Collection Account Law : FDCPA 809 ( b ) ; FCRA 623 ( a ) ( 5 ) Story : I requested written verification of this debt but never received anything. I do not acknowledge this account. Its harming my credit unfairly and must be removed. Reporting unverifiable data is a clear violation of the law. 
DPT EDXXXX Acct # : XXXX Opened : XX/XX/XXXX Balance : {$65000.00} Issue : Late Payment Law : CARES Act 3513 ; FCRA 1681s-2 ( b ) Story : During the COVID-19 emergency, my student loans were under automatic forbearance. No late payments should have been reported. It is illegal under the CARES Act to show delinquencies during that time. I demand this be corrected immediately. 
XXXX XXXX XXXX Acct # : XXXX Opened : XX/XX/XXXX Balance : {$0.00} Issue : Charge-Off Law : FCRA 611 ( a ) ( 5 ) Outdated or inaccurate info must be deleted Story : This vehicle was voluntarily returned under an agreement, yet no settlement or notification of charge-off was issued to me. I believe this is a misclassification or wrongful reporting. Please investigate and remove or correct. 
XXXX XXXX Acct # : XXXX Opened : XX/XX/XXXX Balance : {$0.00} Issue : Late Payment Law : FCRA 1681s-2 ( b ) Story : After the account closed, it should not reflect late payments unless accurately documented. No valid proof was provided of the delinquencies, and my right to dispute under the law gives me the ability to challenge this. Please provide full documentation or delete. 
HARD INQUIRIES Unfamiliar or Unauthorized Law for All Below : FCRA 604 ( a ) ( 3 ) Inquiries must have a permissible purpose and consumer authorization Each of the following inquiries either : Was done without my consent Was excessive in nature from auto dealerships Was duplicate or unnecessary Was made after no credit was applied for Please remove all the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  No loan application initiated. 
XXXX XXXX XXXX XX/XX/XXXX - XXXX dealer pull ; never gave express consent. 
These are only a few of the many errors affecting my credit file. These inaccuracies continue to violate my rights under federal law and have caused repeated denials for housing, auto financing, and employment. The repeated failure of data furnishers and credit bureaus to properly investigate or correct these errorsdespite my prior disputesconstitutes a willful violation of FCRA 1681n and negligent noncompliance under 1681o. I am requesting that the CFPB take urgent action to require the full reinvestigation of the listed items, correct or delete all inaccurate, incomplete, or unverifiable information, and ensure that furnishers and reporting agencies comply with the law. If necessary, I am prepared to seek legal assistance for enforcement and damages.

Company response to consumer: Closed with non-monetary relief