Consumer complaint received 2025-07-09 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: CA

Complaint narrative:
This is a formal complaint against Equifax for continued reporting of inaccurate, incomplete, and unverifiable data in violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple attempts to resolve these matters directly with Experian, they have failed to correct or delete the erroneous items. Below is a breakdown of each disputed address, account, and inquiry, along with the specific issue, law violated, and an expanded explanation. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Chargeoff Balance Owed : {$5600.00} Issue : Unverified and Inaccurate Chargeoff Law Violated : FCRA 1681e ( b ), 1681i, FDCPA Explanation : I disputed this XXXX XXXX  chargeoff due to discrepancies in the payment history and lack of proper notification from the creditor. This account was settled years ago, yet Experian failed to verify its current status before continuing to report it. The chargeoff is outdated and damaging. I never received written communication validating the debt or notice of right to dispute from the creditor or from Experian. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Late Payment Balance Owed : {$10000.00} Issue : Late Payments During Deferment Period Law Violated : FCRA 1681s-2 ( a ), 1681i ( a ), CARES Act Explanation : This account was placed in XXXX deferment, during which no late payments were legally allowed to be reported. However, Experian continues to report multiple delinquencies, violating both the FCRA and CARES Act provisions. I submitted documentation showing my forbearance approval, but Experian has not corrected the error. This inaccurate data severely impacted my score and credibility. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Late Payment Balance Owed : {$0.00} Issue : Incorrect Late Payment on Closed Account Law Violated : FCRA 1681e ( b ), 1681i ( a ) Explanation : This account has been paid off and closed, yet Experian is still reporting past due payments. This is misleading and causes unfair negative impact. I have disputed this item, submitted bank confirmation of payoff, but Experian did not remove or update the entry accurately. This is a clear failure in their duty to maintain current and correct information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Late Payment Balance Owed : {$16000.00} Issue : Reporting of Late Payments During Financial Hardship Law Violated : FCRA 1681s-2 ( b ), 1681e ( b ) Explanation : I entered into a hardship assistance program with XXXX XXXX and was granted temporary relief. During this time, I was promised that no negative reporting would occur. However, Experian still listed multiple late payments. I contacted both the creditor and Experian, but Experian did not perform a good-faith reinvestigation. This has caused significant reputational and financial damage. 
XXXX XX/XX/XXXX Inquiry Issue : Improper Inquiry Without Consent Law Violated : FCRA 1681b ( c ), 1681b ( f ) Explanation : I never initiated any application with XXXX  XXXX around this time. The hard inquiry was placed without my consent and without permissible purpose. This represents a violation of my privacy and damages my ability to secure new credit due to unnecessary score reduction. Experian must be held accountable for failing to verify authorization before allowing access to my credit file. 
Due to the above, Experian has demonstrated a systemic pattern of negligence, failure to investigate, and disregard for my rights under federal law. I request that the Consumer Financial Protection Bureau compel Experian to remove or correct all the above errors immediately and ensure compliance with the Fair Credit Reporting Act. These errors are affecting my financial well-being and opportunity to access fair credit and housing.

Company response to consumer: Closed with non-monetary relief