Consumer complaint received 2025-07-30 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 filing this formal complaint under the protections of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other applicable consumer protection laws. My rights as a consumer have been violated by multiple furnishers and credit bureaus due to inaccurate, outdated, and unverifiable information reporting on my credit report. I am requesting immediate investigation and removal of the following items due to legal violations, identity errors, outdated data, and failure to verify. Each item is listed below with details and applicable law violations XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Issue : Wrong Address Reported Law : The FCRA requires removal of unverifiable or inaccurate information under Section 611 ( a ). 
Story : This address is unrelated to me. Its continued reporting demonstrates a failure to properly verify information. I have suffered inconvenience and reputational harm due to this erroneous data. I demand a thorough reinvestigation and permanent removal of this address from my report.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  High Credit : {$31000.00} Issue : Late Payments Law : Under FCRA Section 605 ( b ), negative information older than seven years must be removed. Also, late payments must be accurately reported. 
Story : The late payments reported on this account are inaccurate and have not been properly verified. This misinformation misrepresents my payment history and unfairly lowers my creditworthiness. I request a complete review and correction or removal.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$120.00} Issue : Late Payments Law : The FCRA and Regulation V require furnishers to report accurate payment histories and correct errors upon dispute. 
Story : The reported late payments are inaccurate and do not reflect my actual payment behavior. These false late payments unfairly damage my credit. I insist on their removal unless validated with supporting documentation.

XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$600.00} Issue : Charge Off Law : FCRA Section 623 ( b ) requires accurate reporting of derogatory accounts. 
Story : This charge off is reported without proper validation or notification. I dispute this information as incomplete and inaccurate. Immediate removal or correction is demanded.

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} Issue : Collection Law : FCRA Section 609 requires accurate and verifiable reporting. 
Story : This collection is either inaccurate or not properly verified. I dispute its inclusion on my credit report and demand correction.

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Credit Limit : {$500.00} Issue : Charge Off Law : FCRA Section 605 ( b ) requires removal of negative information after 7 years. 
Story : This charge off is beyond the 7-year reporting limit and should have been removed. Its continued presence violates the FCRA. I demand immediate deletion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  High Credit : {$2600.00} Issue : Charge Off Law : FCRA and FDCPA require accurate reporting and verification. 
Story : This charge off is disputed for accuracy. I request validation or removal to avoid unjust harm to my credit.

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  High Credit : {$700.00} Issue : Charge Off Law : FCRA Section 611 entitles consumers to dispute inaccurate information. 
Story : This charge off is inaccurately reported and I dispute it. I request a full investigation.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Credit Limit : {$750.00} Issue : Charge Off Law : FCRA requires only accurate and verified charge offs. 
Story : I dispute this charge off as inaccurate and request removal or validation. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  High Credit : {$690.00} Issue : Charge Off Law : FCRA Section 609 and 611 protect against inaccurate information. 
Story : This charge off account is disputed for accuracy and I request investigation and correction.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$600.00} Issue : Charge Off Law : FCRA mandates removal of negative info over 7 years old.

Story : This accounts charge off status is beyond permissible reporting time. It must be removed. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$1100.00} Issue : Charge Off Law : FCRA Section 611 entitles consumer to dispute. 
Story : This charge off is unverified and I dispute its accuracy.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  High Credit : {$700.00} Issue : Collection Law : FCRA Section 611 requires accurate, verified information.

Story : This collection is disputed for lack of verification. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$1900.00} Issue : Collection Law : FCRA mandates removal of unverifiable information. 
Story : This collection is inaccurate and unverifiable. I demand removal. 
Credit Inquiries Disputes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Unauthorized/Inaccurate Credit Inquiries Law : FCRA Section 604 ( a ) ( 3 ) limits permissible purposes for credit inquiries ; unauthorized inquiries are illegal. 
Story : Many of these inquiries were made without my written consent or permissible purpose. Such unauthorized inquiries harm my credit score and violate FCRA requirements. I demand removal of all inquiries not authorized by me. 
I request the CFPB to investigate these violations and ensure permanent deletion of these errors. These entries have damaged my credit score, financial credibility, and caused emotional and financial stress. I am requesting deletion, proper validation, and legal accountability for failure to maintain accurate consumer reporting

Company response to consumer: Closed with non-monetary relief