Consumer complaint received 2025-12-15 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: NY

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ) appearing on my credit reports. Despite my rights under federal law, these items are being reported inaccurately and without proper verification. 

XXXX. DEPTEDNELNET Multiple Accounts Reporting Late Payments ( INACCURATE ) The following DEPTEDNELNET accounts are being reported with late payment history, which is factually incorrect : DEPTEDNELNET XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00} DEPTEDNELNET XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00} DEPTEDNELNET XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00} DEPTEDNELNET XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} DEPTEDNELNET XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00} DEPTEDNELNET XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$2700.00} DEPTEDNELNET XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$940.00} DEPTEDNELNET XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$2600.00} DEPTEDXXXX XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$3800.00} DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} I have never made a late payment on these accounts. Reporting late payments that did not occur is a clear violation of FCRA 623 ( a ), which requires information to be complete and accurate. 

I am requesting correction of the inaccurate payment history, not deletion of valid accounts. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} This account is reporting late payments, which is inaccurate. My payment history on this account is not late, and this information must be corrected to reflect accurate reporting. 

XXXX. XXXX XXXX XXXX Charge-Off ( ACCOUNT NOT MINE ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} Status : Charge Off I have no knowledge of this account, and I do not recognize it as belonging to me. This account is being reported without proper verification. 

I am requesting a full investigation and deletion or correction if the furnisher can not provide valid proof of ownership and accuracy as required under FCRA XXXX. 

XXXX. XXXXXXXX XXXX XXXX Unauthorized Credit Inquiry XXXX XXXX XXXX Date : XX/XX/XXXX I did not authorize this inquiry and did not apply for credit with this company. This inquiry must be removed immediately unless documented proof of authorization can be provided. 

Formal Request I am requesting that the CFPB require the involved furnishers and credit reporting agencies to : Conduct a proper reinvestigation as required by law Correct all inaccurate late payment histories Remove or correct accounts not belonging to me Delete unauthorized inquiries Update my credit reports to reflect accurate and verifiable information only Failure to correct these inaccuracies continues to violate my rights under the Fair Credit Reporting Act. 

Thank you for your assistance in ensuring compliance and accuracy in my consumer credit file.

Company response to consumer: Closed with explanation