Consumer complaint received 2025-09-05 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: MI

Complaint narrative:
I am requesting a full reinvestigation of the following inaccurate, unverifiable, and misleading addresses, accounts, bankruptcy, and inquiries on my credit report. These entries violate the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 requiring maximum possible accuracy and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 which prohibits reporting or attempting to collect unverified debts. Despite prior disputes, these items remain and continue to harm my creditworthiness. Each item is listed below with issue, law, and story XXXX XXXX XXXX XXXX Date XXXX High Credit : {$20000.00} Charge Off Issue : Inaccurate charge-off Law : FCRA 15 U.S.C. 1681s-2 ( b ) Story : Reporting this account as charged off without proper verification misrepresents my financial responsibility, exaggerates negative credit history, and must be removed CREDIT XXXX XXXX  XXXX XXXX XXXX High Credit : {$26000.00} Charge Off Issue : Inaccurate reporting Law : FCRA XXXX XXXX. XXXX ( b ) Story : This charge-off is unverified. Reporting it inaccurately exaggerates negative credit history and damages my financial reputation. Must be corrected CITIZENS BANK XXXX Date XXXX High Credit : {$14000.00} Charge Off Issue : Duplicate or unverified charge-off Law : FCRA 15 U.S.C. 1681c Story : Reporting this account as charged off misrepresents my creditworthiness and must be removed XXXX XXXX XXXXXXXX Date XXXX High Credit : {$15000.00} Charge Off Issue : Duplicate derogatory reporting Law : FCRA 15 U.S.C. 1681c Story : Listing this account multiple times exaggerates negative information and misleads creditors. Must be deleted XXXXXXXX XXXX XXXXXXXX Date XXXX High Credit : {$5100.00} Charge Off Issue : Inaccurate charge-off Law : FCRA 15 U.S.C. 1681s-2 ( b ) Story : Reporting without proper validation misrepresents my payment history and harms my credit score. Must be corrected XXXX XXXXXXXX Date XXXX High Credit : {$7200.00} Charge Off Issue : Inaccurate charge-off Law : FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) Story : Reporting as charged off without validation exaggerates negative credit history. Must be corrected XXXX XXXX XXXXXXXX * * Date XXXX High Credit : {$0.00} Charge Off Issue : Inaccurate reporting Law : FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) Story : Reporting a XXXXbalance account as charged off misrepresents my financial history. Must be corrected XXXX XXXX Bankruptcy Reference # XXXX Court U.S. Bankruptcy Court Issue : Bankruptcy inaccurately reported Law : FCRA 15 U.S.C. 1681i Story : I dispute the accuracy of this bankruptcy reporting. If incorrect, it falsely portrays insolvency and harms my creditworthiness. Must be corrected or removed XXXX XXXXXX/XX/XXXX Inquiry Issue : Unauthorized inquiry Law : FCRA 15 U.S.C. 1681b Story : I did not authorize this inquiry. Must be deleted XXXX XXXXXX/XX/XXXX Inquiry Issue : Unauthorized inquiry Law : FCRA 15 U.S.C. 1681b Story : I did not authorize this inquiry. Must be deleted XXXX XX/XX/XXXX Inquiry Issue : Unauthorized inquiry Law : FCRA 15 U.S.C. 1681b Story : Reporting without consent harms my credit. Must be deleted XXXX XXXXXX/XX/XXXX Inquiry Issue : Unauthorized inquiry Law : FCRA 15 U

Company response to consumer: Closed with non-monetary relief