Consumer complaint received 2026-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this as my 6th CFPB complaint regarding the continued reporting of multiple inaccurate, unverified, and materially misleading accounts appearing across my Experian , Equifax, and TransUnion credit reports, despite repeated prior disputes and formal demands for reinvestigation and deletion. I am asserting my rights under the Fair Credit Reporting Act, including FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) requiring reasonable reinvestigation, FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) requiring accurate furnisher reporting, and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) requiring maximum possible accuracy, as these accounts continue to appear with inconsistent reporting, unsupported balances, duplicate tradelines, and missing or insufficient verification documentation, including proper charge-off validation and lawful account substantiation. On my Experian credit report, I am disputing the continued reporting of XXXX XXXX XXXX XXXX ( Balance Owed : {$0.00} ) reported as late closed without verified payment history accuracy ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Balance Owed : {$700.00} ) reported as a charge-off without complete or verifiable account history ; XXXX XXXX XXXX XXXX XXXX ( Balance Owed : {$560.00} ) ; XXXX XXXX XXXX XXXX ( Balance Owed : {$640.00} ) ; XXXX XXXX XXXX ( Balance Owed : {$1800.00} ) ; XXXX XXXX ( Balance Owed : {$0.00} ) ; and XXXX XXXX XXXX XXXX ( Balance Owed : {$1600.00} ), all of which continue to appear with inconsistent statuses and unverified reporting in violation of federal accuracy requirements. On my Equifax credit report, I am disputing XXXX XXXX XXXX XXXX XXXX ( Balance Owed : {$0.00} ) XXXX XXXX reported as late closed ; XXXX XXXX ( Balance Owed : {$560.00} ) ; XXXX XXXX XXXXXXXX XXXX ( Balance Owed : {$640.00} ) ; XXXX XXXX XXXX ( Balance Owed : {$1800.00} ) ; XXXX XXXX XXXX XXXXXXXX ( Balance Owed : {$1600.00} ) ; and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Balance Owed : {$11000.00} ) XXXX XXXX reported as a collection account, all of which remain unverified, inconsistently reported, and lacking proper validation or furnisher confirmation, raising concerns under both FCRA accuracy and reinvestigation obligations as well as FDCPA 807 and 808. On my TransUnion credit report, I am disputing XXXX XXXX XXXX XXXX ( Balance Owed : {$0.00} ) XXXX XXXX reported as late closed ; XXXX XXXX ( Balance Owed : {$0.00} ) XXXX XXXX reported as charge-off ; XXXX XXXXXXXX ( Balance Owed : {$560.00} ) ; and XXXX XXXX ( Balance Owed : {$1600.00} ) XXXX XXXX reported as a collection account, all of which continue to be reported inconsistently across bureaus with conflicting statuses and balances, demonstrating failure to maintain maximum possible accuracy and proper reinvestigation under the FCRA. These ongoing discrepancies across all three credit reporting agencies demonstrate a continued failure to properly verify, correct, or delete disputed information despite repeated formal disputes. I am therefore formally requesting the immediate and permanent deletion of all listed accounts from Experian , Equifax, and TransUnion unless full, lawful, and verifiable documentation can be produced confirming accuracy, ownership, and reporting compliance.

Company response to consumer: Closed with explanation