Consumer complaint received 2025-10-26 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 writing to file a formal complaint against several creditors, debt collectors, and credit bureaus for inaccurate, unverified, and misleading information appearing on my credit report. I have attempted to resolve these issues directly with the credit reporting agencies XX/XX/XXXX Equifax, and XX/XX/XXXX) but have received no satisfactory resolution. The information listed below continues to appear on my credit report even though I have no knowledge of, nor any verified contractual relationship with, these entities.

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I am entitled to have only accurate and verifiable information reported about me. The following accounts and inquiries violate my rights under this federal law and are causing unjust damage to my credit standing and reputation. 

ACCOUNT DISPUTES XX/XX/XXXXXXXX High Balance : {$3700.00} Date Opened : XX/XX/XXXX Issue : Charge Off This account is being inaccurately reported as a charge-off. I have no knowledge of this account ever being in default and never received any formal notice regarding such action. If XXXX can not provide a full and verifiable accounting record proving I authorized this account and defaulted on it, then this reporting is in violation of the FCRA Sections 602 ( A ), 607 ( B ), and 609 ( A ), which require the information furnished to be accurate, complete, and verifiable. I am requesting immediate deletion of this account due to unverifiable reporting and false status labeling. 
XX/XX/XXXXXXXX High Balance : {$3200.00} Date Opened : XX/XX/XXXX Issue : Charge Off This account has been wrongfully reported as charged off. I do not recall any such account or default. There has been no valid contract, statement, or proof of debt presented that links this account to me. Reporting unverifiable or inaccurate information is a direct violation of FCRA 15 U.S.C 1681s-2 ( b ). Since the furnisher and the bureau have failed to ensure data accuracy, this account must be deleted immediately from my report. 
XXXX XXXX XXXX High Balance : {$600.00} Date Opened : XX/XX/XXXX Issue : Late Payment The reporting of late payments on this account is completely false and misleading. I have never missed any payments and have maintained my account in good standing. I demand proof of late payment history such as transaction logs, bank statements, or communication proving delay. If such proof can not be provided, this is a violation of FCRA Section 623 ( a ) ( 1 ) ( A ), which prohibits furnishing information known to be inaccurate. I request that all late payment notations be removed immediately and the account be updated to show a perfect payment history. 

Summary of My Complaint All of the above-listed items are inaccurate, unverified, and damaging to my credit profile. The credit bureaus have failed to properly investigate or delete these items despite my repeated written disputes, violating my rights under FCRA 611 ( a ) which requires accurate reinvestigation. These accounts continue to reflect as negative entries, lowering my credit score and affecting my ability to obtain fair credit opportunities.

I am requesting the CFPB to investigate these matters thoroughly and require the credit reporting agencies and the creditors mentioned above to provide full documentation validating the legitimacy and ownership of these accounts. If they can not do so, they must immediately delete all disputed information from my credit file.

Requested Resolution : 1. Complete investigation into the accuracy and legality of these accounts and inquiries.

2. Immediate deletion of all unverified and inaccurate entries from my credit report.

3. Written confirmation from all parties once deletions and corrections are made.

Company response to consumer: Closed with non-monetary relief