Consumer complaint received 2025-12-04 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: TX

Complaint narrative:
To Whom It May Concern, I am filing this complaint because multiple furnishers and credit reporting agencies are reporting inaccurate, incomplete, and unlawful information about my accounts. These errors have caused serious harm, and despite my attempts to resolve the issues, the furnishers have continued reporting without proper investigation as required under the FCRA and FDCPA. I am requesting a full CFPB investigation, correction, and removal of all inaccurate information listed below because the late payment data is false, the collection/charge-off accounts are accounts I have no knowledge of, and the furnishers have failed to follow federal law. All information below is separated clearly and written without paragraph breaks, as requested. 

XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1700.00} Status : Late Payment This late payment reporting is false because I have never been late on this loan. The furnisher is reporting inaccurate information and has failed to verify it after disputes. 
Laws Violated : FCRA 602 ( A ), 604 ( A ) ( 3 ), 607 ( B ), 609 ( A ) ( 1 ), 611 ( A ), 623 ( A ) ( 1 ) ( A ), 623 ( B ) XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3200.00} Status : Late Payment The late payment data is inaccurate and harmful. No proper reinvestigation occurred despite disputes. 
Laws Violated : FCRA 602 ( A ), 607 ( B ), 611 ( A ), 623 ( B ) XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2500.00} Status : Late Payment This information is false because no late payment was ever made. Reporting continues without verification.

Laws Violated : FCRA 602 ( A ), 607 ( B ), 611 ( A ), 623 ( A ) ( 1 ) ( A ) XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$600.00} Status : Late Payment The late payment status is not accurate. The furnisher is failing to ensure maximum possible accuracy. 
Laws Violated : FCRA 602 ( A ), 607 ( B ), 611 ( A ) XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$900.00} Status : Late Payment The reported late payment is false and unverified. Harm continues due to inaccurate reporting. 
Laws Violated : FCRA 602 ( A ), 607 ( B ), 611 ( A ), 623 ( B ) XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4800.00} Status : Late Payment Never made a late payment on this account. Furnisher continues reporting false data. 
Laws Violated : FCRA 602 ( A ), 607 ( B ), 611 ( A ) XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00} Status : Charge-Off I have no knowledge of this account. No agreement, contract, or validation was ever provided. This account is being reported unlawfully. 
Laws Violated : FCRA 602 ( A ), 607 ( B ), 609 ( A ) ( 1 ), 611 ( A ), 623 ( A ) ( 1 ) ( A ) ; FDCPA 807, 809 XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3800.00} Status : Late Payment False late payment information being reported without proper verification. 
Laws Violated : FCRA 602 ( A ), 607 ( B ), 611 ( A ) XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$7700.00} Status : Late Payment Late payment history is inaccurate and unverified. 
Laws Violated : FCRA 602 ( A ), 607 ( B ), 611 ( A ), 623 ( B ) XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$4500.00} Status : Late Payment This reporting is wrong ; I have never been late on this loan. 
Laws Violated : FCRA 602 ( A ), 607 ( B ), 611 ( A ) XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4000.00} Status : Late Payment Inaccurate and harmful late payment status. 
Laws Violated : FCRA 602 ( A ), 607 ( B ), 611 ( A ), 623 ( B ) XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$330.00} Status : Late Payment The reported late payment is false and not supported by records. 
Laws Violated : FCRA 602 ( A ), 607 ( B ), 611 ( A ) XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2700.00} Status : Late Payment False reporting ; no late payment ever occurred. 
Laws Violated : FCRA 602 ( A ), 607 ( B ), 611 ( A ) XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1900.00} Status : Late Payment The furnisher continues reporting inaccurate late payment information. 
Laws Violated : FCRA 602 ( A ), 607 ( B ), 611 ( A ) XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$820.00} Status : Collection I have no knowledge of this account. The collector has not provided any validation or proof of debt. 
Laws Violated : FCRA 607 ( B ), 611 ( A ), 623 ( A ) ; FDCPA 807, 809 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$760.00} Status : Collection Unknown and unverified account being reported. No contract or documentation was provided. 
Laws Violated : FCRA 607 ( B ), 611 ( A ), 623 ( A ) ; FDCPA 807, 809 XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$400.00} Status : Collection This debt is not mine. Collector failed to validate after disputes. 
Laws Violated : FCRA 607 ( B ), 611 ( A ), 623 ( A ) ; FDCPA 807, 809 XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$720.00} Status : Collection Unfamiliar account being reported without any legal validation. 
Laws Violated : FCRA 607 ( B ), 611 ( A ), 623 ( A ) ; FDCPA 807, 809 XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$700.00} Status : Collection I do not recognize this account. Reporting without validation violates federal law. 
Laws Violated : FCRA 607 ( B ), 611 ( A ), 623 ( A ) ; FDCPA 807, 809 XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$710.00} Status : Collection * * I have no knowledge of this account and no validation was ever provided. This is an unverifiable and inaccurate collection being reported against me. 
Laws Violated : FCRA 607 ( B ), 611 ( A ), 623 ( A ) ; FDCPA 807, 809 XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4200.00} Status : Collection * * I have no knowledge of this account, and the furnisher has not provided any validation or proof that this debt belongs to me. This is an inaccurate and unverifiable collection being reported. 
Laws Violated : FCRA 607 ( B ), 611 ( A ), 623 ( A ) ; FDCPA 807, 809 I am requesting immediate CFPB intervention to force the furnishers and credit bureaus to correct or delete all inaccurate, unverifiable, and unlawfully reported information. All late payments listed above are false because I have never made a late payment, and all collection/charge-off accounts are accounts I do not recognize. I request full deletion of all wrongful information and a complete reinvestigation according to the FCRA and FDCPA.

Company response to consumer: Closed with non-monetary relief