Consumer complaint received 2025-09-16 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: FL

Complaint narrative:
To Whom It May Concern, I am writing this formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The law requires that all information reported on my credit file must be accurate, complete, and verifiable, as outlined under FCRA 602, 607 ( b ), and 611. The intent of Congress in drafting the FCRA was to prevent consumer harm caused by misleading and inaccurate reporting, and unfortunately, the way my credit file is currently being reported directly contradicts that principle. What is being published on my file is not only fragmented and duplicated but also inconsistent with my actual history, which unfairly paints me as someone I am not. This damages my reputation, my financial opportunities, and my ability to live a fair and productive life. When the law requires maximum possible accuracy, anything less becomes a violation. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened XXXX  High Credit {$240.00} Late Payment this account is reported with repeated late payment marks, but the data conflicts with my actual payment history. The notations misrepresent my financial behavior and omit relevant details that would have shown a different picture. By misreporting late payments, the furnisher has created a false image of delinquency that violates FCRA 607 ( b ), which requires that no account be misleading through omission or distortion. Furthermore, under 623 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know or should know is inaccurate. This tradeline harms me by portraying me as habitually delinquent, when in truth the recordkeeping is flawed and unverifiable. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened XXXX High Credit {$6900.00} Late Payment this loan is one of several federal student loans that have been fractured into multiple entries on my credit file. Instead of being reflected as a single consolidated loan, it has been divided into separate account numbers with overlapping dates and varying balances, creating the illusion of multiple delinquent obligations. This duplication is both unfair and deceptive, violating FCRA 602s promise of fairness and 623 ( a ) ( 1 ) ( A ) s prohibition on knowingly reporting misleading information. When the same debt is reported multiple times as if it were separate obligations, my creditworthiness is severely harmed in a way that the law was meant to prevent. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened XXXX High Credit {$2500.00} Late Payment this is another fractured entry, duplicating the same student loan. Because federal loans were often in deferment or forbearance during this period, to report them as late without acknowledging those protections is misleading and unlawful under 607 ( b ). By ignoring federal deferment protections, the reporting creates the false appearance of default, directly violating the standard of accuracy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened XXXX High Credit {$6000.00} Late Payment this account shows late payments, yet it fails to reflect the government-mandated payment suspensions that were in place. Under 623 ( b ), furnishers are required to fully and fairly investigate disputed information. Continuing to report these lates, despite the existence of federal suspension programs, is a violation of the law and materially damages my creditworthiness. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened XXXX High Credit {$3500.00} Late Payment another fragmented account from the same loan program, reported in a way that multiplies the derogatory impact. The FCRAs core requirement is maximum accuracy, yet by splitting one loan into multiple negative accounts, the reporting fails that requirement and unfairly punishes me multiple times for the same obligation. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened XXXX High Credit {$6000.00} Late Payment again, lates are shown during a period when federal relief protections were active. Reporting late payments in contradiction of actual legal relief measures is a direct violation of the duty to report accurately under 607 ( b ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XXXX High Credit {$3500.00} Late Payment incomplete and misleading history is shown, with balances inconsistent and late markers improperly applied. Without clear records from the servicer showing actual delinquency, continued reporting is unverifiable and unlawful under 611. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened XXXX High Credit {$1000.00} Late Payment this is yet another fragmented entry, multiplying the negative impact. This type of duplication is fundamentally misleading and runs against the fairness requirement of 602. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened XXXX  High Credit {$610.00} Charge Off this account is shown as charged off, yet the balance history and status updates are inconsistent across reporting agencies. An account that is materially inconsistent can not be considered accurate under 607 ( b ). Without accurate charge-off dates and proper supporting documentation, the tradeline is unverifiable under 611. 
XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XXXX  High Credit {$660.00} Collection this collection account is reported by a debt buyer. Under both FCRA 623 ( b ) and the FDCPA, a debt collector must be able to validate ownership and provide documentation from the original creditor. XXXX has failed to show proof of assignment, chain of title, or signed agreement, making this reporting unverifiable and unlawful. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened XXXX High Credit {$12000.00} Charge Off this charge-off is reported with conflicting balances and dates that do not align with actual account activity. The reporting therefore misrepresents my obligations in violation of 607 ( b ). Without original records to support the alleged delinquency, this tradeline fails the verification standard under 611. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXXXXXX High Credit {$2900.00} Charge Off the balance reporting and charge-off date are inaccurate and inconsistent. Misreporting charge-off timing creates a more damaging credit profile than warranted and violates the maximum possible accuracy requirement under 607 ( b ). 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened XXXX  High Credit {$150.00} Charge Off this account is reported as charged off, but no documentation has been provided showing an actual delinquency of this magnitude. Reporting without such verification is misleading and unlawful under 611 ( a ) ( 1 ) ( A ). 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened XXXX  High Credit {$1400.00} Collection another debt buyer account where no original records, ownership proof, or assignment documents have been presented. Reporting an account that can not be tied to original creditor validation is unlawful under 623 ( b ) and 611, and continued publication on my credit report is a violation of my rights. 
In closing, the errors across these accounts tell a clear story : my credit file is filled with duplications, inconsistencies, and unverifiable derogatories that violate multiple provisions of the FCRA. Congress enacted this law to ensure fairness and accuracy so that consumers are not misrepresented in the marketplace. The reality is that these accounts as reported do not reflect who I am or my true financial history. Every one of these entries, whether through duplication, misreporting, or lack of verification, creates an unfair burden on me that the law was specifically designed to prevent. Under 611 ( a ) ( 1 ) ( A ), if the bureaus and furnishers can not provide proper documentation from the original source, the only legal remedy is immediate deletion. I respectfully demand that you comply with federal law and delete these disputed accounts from my credit file.

Company response to consumer: Closed with non-monetary relief