Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am filing this formal complaint against Equifax for multiple violations of the Fair Credit Reporting Act ( FCRA ) in their handling of inaccurate and outdated charge-off markings of multiple accounts on my report. Despite my attempts to dispute these errors directly with Equifax via USPS mail, I have not received a response, nor have the inaccuracies been corrected. I am requesting immediate intervention from the Consumer Financial Protection Bureau to ensure compliance with federal law and to have the account removed from my credit report. I listed the affected accounts below. 

XXXX. ) XXXX XXXX - This account has been charged off and has been reported for multiple months as a charge-off. A charge-off is a one-time event and reporting it for consecutive months affects my credit history negatively. It is also reporting a past- due balance of {$950.00}, which should not happen if the account is charged off. Please remove this account as it violates my FCRA rights. 
XXXX. ) XXXX XXXX This account has been charged off and has been reported for multiple months as a charge-off. A charge-off is a one-time event and reporting it for consecutive months affects my credit history negatively. It is also reporting a past-due balance of {$840.00}, which should not happen if the account is charged off. Please remove this account as it violates my FCRA rights. 
XXXX. ) XXXX XXXX This account has been charged off and has been reported for multiple months as a charge-off. A charge-off is a one-time event and reporting it for consecutive months affects my credit history negatively. It is also reporting a past-due balance of {$900.00}, which should not happen if the account is charged off. Please remove this account as it violates my FCRA rights. 
XXXX. ) XXXX XXXXXXXX XXXX This account has been charged off and is being reported for multiple months as a charge-off. A charge-off is a one-time event and reporting it for consecutive months affects my credit history negatively. It is also reporting a past- due balance of {$1100.00}, which should not happen if the account is charged off. Please remove this account as it violates my FCRA rights. 
XXXX. ) XXXX This account has been charged off and has been reported for multiple months as a charge-off. A charge-off is a one-time event and reporting it for consecutive months affects my credit history negatively. It is also reporting a past-due balance of {$1000.00}, which should not happen if the account is charged off. Please remove this account as it violates my FCRA rights. 
XXXX. ) XXXX This account has been charged off and is being reported for multiple months as a charge-off. A charge-off is a one-time event and reporting it for consecutive months affects my credit history negatively. 
XXXX. ) XXXXXXXX XXXX  This account has been charged off and is being reported for multiple months as a charge-off. A charge-off is a one-time event and reporting it for consecutive months affects my credit history negatively. It is also reporting a past-due balance of {$780.00}, which should not happen if the account is charged off. Please remove this account as it violates my FCRA rights.

Company response to consumer: Closed with non-monetary relief