Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear CFPB Officer, I am submitting this formal complaint and legal demand for the immediate removal of multiple derogatory entries and unauthorized inquiries from my credit profile. These items have previously been " verified '' without proper legal review, despite my repeated good-faith efforts to correct them. I am not requesting further investigations. I am invoking my rights under federal law to demand deletion based on legal violations, not on creditor internal records. 

ACCOUNTS & INQUIRIES TO BE REMOVED : XXXX. XXXX XXXX XXXX XXXX ( XXXX ) Opened : XX/XX/XXXX Issue : Account is reporting late and derogatory marks inaccurately across XXXX, despite consistent payment activity. 
Violation : FCRA 602 ( A ), 607 ( b ), 611 ; 15 USC 1666b Legal Basis for Removal : Payment history misrepresents actual account behavior.

Under FCRA 607 ( b ), furnishers must maintain maximum possible accuracy. This is not met.

611 mandates deletion if information can not be fully verified using independent third-party documentation, not just internal bank records. 
XXXX. XXXX XXXX. 

Closed with {$0.00} balance, last reported XX/XX/XXXX. 
Issue : Still reflecting multiple derogatory entries post-payoff. 
Violation : FCRA 623 ( a ) ( 2 ) ( A ), 1666b, 1637 ( a ) Legal Basis for Removal : Under 623 ( a ) ( 2 ) ( A ), furnishers are obligated to correct or delete inaccurate or incomplete data. 
Reporting derogatory marks post-closure with no balance violates the standard of accuracy and serves no permissible purpose under 1681b.

Fails to meet the timely posting requirements of 1666b. 

XXXX. XXXX XXXX Closed and paid, marked as Charge-off and Paid Profit & Loss. 
Issue : Misleading charge-off status post-payment. 
Violation : FCRA 623 ( b ), 607 ( b ) ; FDCPA 807 ( 8 ) Legal Basis for Removal : Under FDCPA 807 ( 8 ), it's unlawful to communicate credit information known to be false. 
Continual reporting of a charge-off on a closed and paid account is deceptive and materially misrepresents my obligations.

623 ( b ) requires deletion if inaccurate after a reasonable investigation which has failed. 
XXXX. XXXX XXXX, {$0.00} balance, derogatory from XXXX. 
Issue : Historically late payments and derogatory remarks despite loan payoff. 
Violation : FCRA 623, 602 ; CMI Guidelines Legal Basis for Removal : Account shows Current yet includes years of derogatory reporting, conflicting with FCRAs accuracy requirements. 
Continued reporting after resolution of account debt is misleading and punitive, violating the intent of 602 to protect consumer reputation and fairness. 

XXXX. XXXX XXXX, {$0.00} balance Issue : Reporting only XXXX XXXX  payment history as on-time for a closed, fully satisfied account. 
Violation : FCRA 605 ( b ), 1681s-2 ( a ) ( 1 ) Legal Basis for Removal : Misleading reporting on an inactive account serves no legitimate purpose and is detrimental to my creditworthiness. 
Fails the permissible purpose test for continued reporting ( FCRA 604 ). 
XXXX. XXXX Unauthorized Hard Inquiry Date : XX/XX/XXXX Issue : I did not authorize this inquiry. 
Violation : FCRA 604 ( a ) ( 3 ), 615 Legal Basis for Removal : A hard inquiry requires prior consumer consent. No such consent was given. 
Reporting this inquiry without authorization is a direct violation of FCRA 604 and mandates removal.

Company response to consumer: Closed with non-monetary relief