Consumer complaint received 2025-09-06 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:
I am writing to formally dispute numerous inaccuracies on my credit report that have been reported in error and are negatively affecting my creditworthiness. I have reviewed my credit files thoroughly and identified several addresses, accounts, and inquiries that are incorrect, incomplete, or unverifiable. Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ), I am entitled to have these items reinvestigated and corrected or deleted. I request a complete reinvestigation of all disputed items listed below, with verification of accuracy from the original furnishers. 
Addresses XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address This address is not associated with me and is inaccurately reported on my credit file. Section 611 ( a ) of the FCRA requires all reported information to be accurate and complete. Reporting this incorrect address misrepresents my residence history and impacts my credit evaluation. I request its immediate deletion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Wrong Address This address is inaccurately listed. Under Section 611 ( a ) of the FCRA, credit bureaus must ensure accuracy in reporting. False address reporting misrepresents my history and harms my creditworthiness. I request correction or deletion. 
Accounts XXXX XXXX XXXX XXXX High Balance : {$2700.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Reported inaccurately. Section 611 ( a ) FCRA mandates verification of disputed accounts. False chargeoffs misrepresent my payment behavior and lower my credit score. I request removal. 
XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$1300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Inaccurately reported. Section 611 ( a ) FCRA requires reinvestigation. Misreporting this chargeoff harms my creditworthiness. I dispute and request deletion. 
XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$680.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX This account is reported incorrectly. FCRA Section 611 ( a ) mandates verification of all disputed accounts. False reporting negatively affects my credit profile. I request correction or removal. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$260.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Inaccurate reporting. Section 611 ( a ) requires verification. False chargeoffs mislead lenders and damage my credit reputation. I dispute this item and request deletion. 
XXXX XXXX XXXX High Balance : {$1800.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX This account is inaccurately reported as a chargeoff. Under FCRA Section 611 ( a ), I request verification from the original creditor. Misreporting this account falsely portrays my payment history, negatively affecting my creditworthiness and causing potential denial of credit. I dispute this item and demand removal or correction. 
XXXX XXXX XXXX XXXXXXXX XXXX : {$420.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX This account is reported in error. Section 611 ( a ) FCRA mandates verification of all disputed items. Reporting an incorrect chargeoff misleads lenders and harms my credit profile. I request immediate deletion. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$680.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX  This account is inaccurately reported. FCRA Section 611 ( a ) requires reinvestigation of disputed information. False chargeoffs misrepresent my financial responsibility and adversely affect my credit score. I dispute and request correction. 
XXXXXXXX XXXX  XXXX High Balance : {$18000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Reported incorrectly. Section 611 ( a ) FCRA mandates verification. False late payment reporting impacts my creditworthiness and is misleading to lenders. I request reinvestigation and deletion if unverifiable. 
XXXX XXXX XXXX XXXX XXXX : {$120.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX Inaccurate collection. FCRA Section 611 ( a ) requires verification from the original furnisher. Misreporting this item falsely indicates delinquency and harms my credit. I dispute and request removal. 
XXXX XXXX XXXX XXXX  High Balance : {$820.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Reported erroneously. Section 611 ( a ) FCRA mandates verification. Collection is inaccurate and misleads potential creditors. I request deletion. 
XXXX XXXX XXXX XXXX High Balance : {$710.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX This item is incorrect. Section 611 ( a ) FCRA requires verification. False collection reporting negatively affects my credit reputation. I dispute and demand removal. 
XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$680.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX  Reported in error. FCRA Section 611 ( a ) requires reinvestigation. Incorrect collection reporting harms my creditworthiness. I request immediate correction or deletion. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$1300.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX This account is inaccurately reported. FCRA Section 611 ( a ) requires verification of disputed items. False reporting misleads lenders and impacts my credit profile. I dispute and request removal. 
XXXX XXXX XXXX XXXXXXXX XXXX : {$420.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Inaccurate account. Section 611 ( a ) FCRA mandates verification. Misreported collections harm my credit score and misrepresent my financial responsibility. I request deletion. 
XXXX XXXX XXXX XXXX High Balance : {$850.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX  Reported incorrectly. FCRA Section 611 ( a ) requires verification. False collection reporting negatively affects my creditworthiness. I dispute and demand correction. 
XXXX XXXX XXXX XXXX : {$1300.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX This account is misreported. Section 611 ( a ) FCRA mandates reinvestigation. Incorrect collections misrepresent my credit history and harm my financial reputation. I request removal. 
XXXX XXXX XXXX XXXX : {$2300.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX  This account is inaccurately reported. Section 611 ( a ) FCRA mandates reinvestigation. Misreported collections negatively impact my creditworthiness. I request deletion. 
All items listed above are inaccurate or unverifiable, and their continued reporting falsely portrays my credit behavior, causing significant harm to my financial reputation. I demand immediate reinvestigation, correction, or deletion of all disputed items in accordance with the Fair Credit Reporting Act. Failure to comply may result in further action to protect my rights. My creditworthiness must be restored accurately and fairly without any lingering negative reporting.

Company response to consumer: Closed with non-monetary relief