Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against the nationwide consumer reporting agencies and several data furnishers for repeated violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. Despite previous dispute attempts and an open investigation, my credit reports still contain multiple inaccuracies, including false addresses, incorrect account statuses, unverifiable collections, charge-offs, and late payments that continue to harm me financially, emotionally, and reputationally. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : Late Payment Law : FCRA 1681m ( a ), FCRA 1681s-2 ( b ) Explanation : This late payment reporting is inaccurate. I had active automatic payments on the account and received no notice that a payment failed. I contacted customer service to correct the issue, but no update was made to the bureaus. This inaccurate late mark lowered my credit score and resulted in being denied a personal loan that was necessary during a family medical emergency. I dispute this late payment and request immediate removal based on improper notification and misreporting. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : Charge Off Law : FCRA 1681i ( a ), FCRA 1681e ( b ) Explanation : This account was charged off without a final billing or payment summary. I was never provided with written notice of charge-off. The amount reported is inconsistent with my transaction history. I had reached out to restructure the debt due to pandemic-related income hardship, but no assistance was given. The lender acted in bad faith and now the charge-off is unjustly impacting my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : Charge Off Law : FCRA 1681c-2, 12 CFR 1022.43 Explanation : Both accounts were under dispute when they were charged off, which violates federal requirements to suspend reporting during active disputes. I also requested debt validation, which was never provided. Reporting these as charge-offs reflects a serious violation of my consumer rights and has led to denials in renting property. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : Charge Off Law : FCRA 1681s-2 ( b ), FDCPA 807 Explanation : I was actively enrolled in a hardship program and never informed of any final charge-off. The lender gave contradictory information over the phone versus what was reported to the bureaus. Their failure to honor the payment program led to the erroneous charge-off. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : Collection Law : FDCPA 809 ( b ), FCRA 1681i Explanation : This collection has never been verified. I sent a timely request for validation under my rights, and no documentation was provided. It continues to report without proof of debt ownership, account history, or balance accuracy. It must be removed immediately under law. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : Charge Off Law : FCRA 1681i ( a ) Explanation : I had agreed to a settlement plan with this creditor, which I began paying toward, but they still reported the account as charged off. This is misleading, incorrect, and reflects negatively on my history despite compliance on my end. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Collection Law : FCRA 1681i ( a ), FDCPA 809 ( b ) Explanation : This account was reported without validation. I submitted a dispute and request for verification, but no response was ever received. This item is damaging and unsubstantiated and must be removed immediately. 
Request for Relief : I request that the CFPB take immediate action and compel all relevant credit bureaus and furnishers to : Conduct a full reinvestigation under FCRA 1681i Remove or correct all disputed items Provide written documentation supporting all furnished information Cease any further reporting of unverifiable accounts I am prepared to escalate this matter through the FTC and civil litigation if necessary. These repeated violations of my rights as a consumer must be addressed to prevent ongoing damage.

Company response to consumer: Closed with non-monetary relief