Consumer complaint received 2025-12-26 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: GA

Complaint narrative:
I am submitting this complaint regarding inaccurate account information that Equifax continues to report on my consumer credit file. The accounts listed below are not being reported accurately and have not been properly verified as required under the Fair Credit Reporting Act. I am requesting a full reinvestigation, correction of inaccurate information, and deletion of any accounts that can not be fully verified. 

Equifax is reporting a XXXX XXXX account ( XXXXXXXX XXXX XXXX ), opened on XX/XX/XXXX with a high balance of {$140000.00}, showing late payment history. The late payment reporting on this account is inaccurate and does not correctly reflect the actual payment status. I am disputing the accuracy of the late payment history only and requesting that Equifax conduct a proper reinvestigation and correct any inaccurate late payment reporting. 

Equifax is also reporting a XXXXXXXX XXXXXXXX. account ( XXXXXXXX XXXX XXXX ), opened on XX/XX/XXXX with a high balance of {$350000.00}, showing late payments. This late payment information is inaccurate. I am disputing the late payment reporting only and requesting that Equifax verify the accuracy of this information with the furnisher and correct any errors found. 

Additionally, Equifax is reporting a XXXX account ( XXXXXXXX XXXX XXXX ), opened on XX/XX/XXXX with a high balance of {$350000.00}, showing late payments. The late payment history being reported is inaccurate and does not properly reflect the accounts payment history. I am requesting a full reinvestigation and correction of any inaccurate late payment information associated with this account. 

Equifax is reporting a XXXX XXXX  account ( XXXX XXXX XXXX  ), opened on XX/XX/XXXX with a high balance of {$1000.00}, listed as a charge-off. I have no knowledge of this account and do not recognize it as belonging to me. This account has not been properly verified, and I am requesting that it be deleted unless Equifax can provide full and lawful verification. 

Equifax is also reporting a XXXX  account ( XXXXXXXX XXXX XXXX ), opened on XX/XX/XXXX with a high balance of {$1300.00}, listed as a charge-off. I do not recognize this account and have no knowledge of it. Equifax has not provided proper verification, and I am requesting deletion of this account if it can not be fully verified in compliance with the law. 

Lastly, Equifax is reporting a XXXX XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), opened on XX/XX/XXXX with a high balance of {$600.00}, listed as a charge-off. I have no knowledge of this account and do not recognize it as mine. Equifax must either properly verify this account or delete it from my credit file. 

I am requesting that the CFPB require Equifax to conduct a lawful reinvestigation of all accounts listed above, correct any inaccurate late payment reporting, and delete any charge-off accounts that can not be fully verified as required under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation