Consumer complaint received 2025-12-04 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:
Dear Consumer Financial Protection Bureau, I am filing this complaint because my credit reports contain multiple inaccuracies, including wrong late payment reporting and several accounts I do not recognize or authorize. These errors are harming my credit profile and violating my rights under the Fair Credit Reporting Act ( FCRA ). 
1. ACCOUNTS REPORTING WRONG LATE PAYMENTS ( I never made late payments. The reporting is incorrect and must be corrected. ) XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$21000.00} Late Payment Comment : I never made any late payments on this account. The reported late history is inaccurate. 
DEPT OF EDXXXX Multiple Accounts ( Each account below is reporting wrong late payment history. ) XX/XX/XXXX {$3600.00} Comment : This late payment is incorrect. Please correct the payment history. 
XX/XX/XXXX {$2800.00} Comment : I did not make any late payment. Reporting error. 
XX/XX/XXXX {$2900.00} Comment : Late payment is inaccurate and must be corrected. 
XX/XX/XXXX {$5700.00} Comment : Wrong late payment reporting. Please investigate. 
XX/XX/XXXX {$2800.00} Comment : Never late. Update the inaccurate history. 
XX/XX/XXXX {$3700.00} Comment : This late record is completely false. 
XX/XX/XXXX {$3500.00} Comment : Incorrect late payment reporting. 
XX/XX/XXXX {$4500.00} Comment : I never missed payments. Report is wrong. 
XX/XX/XXXX {$2000.00} Comment : Wrong late status. Needs correction. 
XX/XX/XXXX {$5000.00} Comment : Late payment is inaccurate and must be fixed. 
XX/XX/XXXX {$11000.00} Comment : I dispute this late payment as incorrect. 
XX/XX/XXXX {$2200.00} Comment : No late payments were made by me. 
XX/XX/XXXX {$5900.00} Comment : Wrong late payment history reported. 
XX/XX/XXXX {$1500.00} Comment : Incorrect late reporting. Please correct. 
XX/XX/XXXX {$13000.00} Comment : This is inaccurate late payment data. 
XX/XX/XXXX {$2000.00} Comment : Never late. Reporting is wrong. 
XX/XX/XXXX {$4300.00} Comment : This late payment is completely incorrect. 
XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$6600.00} Late Payment Comment : I dispute the late payment as inaccurate and request correction. 
XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$77.00} Late Payment Comment : I did not make any late payments. This is a reporting error. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment Comment : The late payment shown is wrong and must be corrected. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$600.00} Late Payment Comment : I never paid late. This reporting is inaccurate. 
2. UNKNOWN / UNAUTHORIZED CHARGE-OFF ACCOUNTS ( These accounts are not mine. I have no knowledge of them and request deletion. ) XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$180.00} Charge Off Comment : I do not recognize this account. It is not mine and must be deleted. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} Charge Off Comment : I never opened or authorized this account. Please remove it entirely. 
3. UNKNOWN / UNAUTHORIZED COLLECTION ACCOUNTS ( I do not recognize any of these debts. They must be removed as fraudulent/incorrect. ) XXXX XXXX XXXX XXXX  Balance : {$1200.00} Comment : I have no knowledge of this debt. It must be deleted. 
XXXX XXXX XXXX XXXX Balance : {$700.00} Comment : Not my account. Please remove. 
XXXX XXXX XXXX XXXX Balance : {$380.00} Comment : I do not recognize or owe this debt. 
XXXX XXXX XXXX XXXX Balance : {$670.00} Comment : This is not my account. Requesting deletion. 
XXXX XXXX XXXX XXXX Balance : {$680.00} Comment : I never authorized this account. Please delete. 
XXXX XXXX XXXX XXXX Balance : {$800.00} Comment : I dispute this entire account as not mine. 
XXXX XXXX XXXX XXXX Balance : {$430.00} Comment : Unknown account. Please remove it from my report. 
XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} Comment : This account is not mine. Requesting deletion. 
4. MY REQUEST TO CFPB I respectfully ask CFPB to : 1. Correct all inaccurate late payment reporting 2. Delete all unauthorized charge-off and collection accounts 3. Hold the credit bureaus accountable for proper verification 4. Provide me with written results once the investigation is complete 5. CONCLUSION These errors are severely harming my credit standing. Under FCRA Sections 602, 607, 609, and 611, I am legally entitled to accurate and verifiable information. I request a full investigation and correction of all inaccurate data listed above. 
Thank you for your prompt attention.

Company response to consumer: Closed with non-monetary relief