Consumer complaint received 2025-09-18 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: LA

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) because my credit report contains multiple inaccuracies, including wrong addresses, unauthorized inquiries, and falsely reported late payments. These errors violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 604, 609, 611, and 623, which require accurate reporting, proper investigation of disputes, and prohibition of unauthorized access. Despite my repeated disputes, the credit bureaus and furnishers continue to report incorrect information, harming my creditworthiness, misrepresenting my financial responsibility, and limiting my access to fair credit opportunities. I request CFPB oversight to ensure these violations are corrected immediately and to hold the responsible parties accountable. 

ACCOUNTS XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX High Credit : {$3500.00} Date Opened : XX/XX/XXXX This account is reporting late payments that are not supported by proper documentation. FCRA 611 requires a complete reinvestigation, including verification from the original creditor with all supporting records. If you can not produce evidence of the alleged late payment dates, you are legally obligated to remove them. This inaccurate reporting is damaging my creditworthiness and affecting my ability to obtain fair credit terms. Continued reporting without validation violates FCRA 607 ( b ) and creates liability for negligent or willful noncompliance under 616 and 617. I request immediate correction or deletion of these late payments and a new credit report reflecting the changes. 

XXXX Account # : XXXX XXXX XXXX XXXX XXXX High Credit : {$1700.00} Date Opened : XX/XX/XXXX This account is showing late payment history that is disputed. You are required under FCRA 611 to perform a reasonable reinvestigation and either verify with full documentation or delete the disputed information. If the creditor can not produce payment history showing the exact dates of delinquency, you must remove these late payments. Continued reporting of unverified data demonstrates a disregard for your legal obligations. This negative entry is harming my credit score and resulting in financial harm through higher interest rates and credit denials. I am demanding that you correct this item within the 30-day window allowed by law and provide me with a copy of my updated credit report. 

XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX High Credit : {$1000.00} Date Opened : XX/XX/XXXX This appears to be a duplicate account entry with inaccurate late payment data. Reporting duplicate derogatory information is misleading and violates FCRA 607 ( b ) because it does not reflect maximum possible accuracy. I have disputed this before and it continues to appear on my credit file, which indicates a failure to comply with FCRA XXXX11 ( a ). I am requesting that you delete this duplicate entry immediately. Failure to remove it after this fourth dispute will be considered willful noncompliance and I may escalate this to the CFPB and FTC. You are required to notify me in writing of the results of your reinvestigation and provide a corrected report. 

I respectfully request that the CFPB take immediate action to enforce my rights under the FCRA and ensure that all inaccurate information, including the wrong address, unauthorized inquiries, and incorrectly reported late payments, is fully corrected or removed from my credit report. These ongoing inaccuracies have caused and continue to cause significant harm to my credit profile and financial opportunities. I seek the Bureaus assistance in compelling the credit reporting agencies and furnishers to comply with federal law and maintain a complete and accurate record of my credit history.

Company response to consumer: Closed with non-monetary relief