Consumer complaint received 2025-08-06 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: NJ

Complaint narrative:
To Whom It May Concern I am submitting this formal complaint regarding inaccurate, outdated, and unlawfully reported information across multiple accounts reflected on my consumer credit reports These accounts have caused me significant emotional and financial distress and have negatively impacted my ability to access basic credit services employment opportunities and housing These accounts are either being reported inaccurately contain wrong balances dates or statuses or have been reported without proper validation and in violation of federal consumer protection laws including the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 et seq and the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692 et seq Despite my previous disputes and direct efforts to resolve these matters with the data furnishers and credit reporting agencies the following accounts remain incorrectly reported or unresolved and must be investigated and removed from my file immediately Account : XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$1200.00} Issue : Reported as a collection account, which I dispute ; I do not owe this debt. 
Law : Under the Fair Debt Collection Practices Act ( FDCPA ), consumers are protected from false or unlawful debt collection claims. 
Story : I have never accepted responsibility for this debt. The illegal use of my name in collection efforts is damaging my financial life. I seek legal help to correct this wrongful entry. 

Account : XXXX XXXX Open Date : XX/XX/XXXX Balance : {$1000.00} Issue : XXXX status is incorrect and misleading. 
Law : FDCPA prohibits inaccurate debt collections and harms caused by them. 
Story : On contacting them for documentation, they failed to provide proof. This false collection status disrupts my budgeting and financial planning. 

Account : XXXX XXXX Open Date : XX/XX/XXXX Balance : {$580.00} Issue : Listed as a collection account without my agreement. 
Law : FDCPA and FCRA allow for dispute and correction of inaccurate debt listings. 
Story : Debt XXXX have harassed me unnecessarily over this account, causing emotional and financial distress. 

Account : XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$0.00} Issue : Wrongly reported late payment though I paid on time. 
Law : FCRA mandates correction of erroneous payment records. 
XXXX : This false late payment report blocks new credit opportunities and disrupts my financial planning. 

Account : XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$3100.00} Issue : Shown as charge off, although I am actively negotiating payment. 
XXXX : Charge off reporting must be accurate and based on actual payment status. 
Story : Despite being engaged in payment discussions, this detrimental report damages my credit reputation. 

Account : XXXXXXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$890.00} Issue : Charged off incorrectly, contradicting my recent payment history. 
Law : FCRA and FDCPA prohibit inaccurate credit reporting that harms consumers. 
Story : Due to this incorrect information, obtaining new loans is delayed and complicated. 

Account : XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$3700.00} Issue : Unjustified charge off reported ; I have proof of payments. 
Law : FCRA requires accurate and truthful credit reporting. 
XXXX : The incorrect charge off limits my access to credit cards and forces me to pay higher interest rates. 

Account : XXXXXXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$0.00} Issue : Charge off reported, despite my collection of valid payment records proving otherwise. 
Law : FCRA and FDCPA require rectification of such errors upon proof. 
XXXX : This false charge off restricts my ability to obtain credit and causes mental stress. 

I demand that a full investigation be conducted into all of these accounts and that each furnisher be required to provide proper documentation and validation within the timeline allowed by law If they are unable to do so these accounts must be permanently deleted from my credit reports per FCRA and FDCPA guidelines I am requesting full accountability and compliance with federal law as my rights under the FCRA and FDCPA have been continuously violated by these furnishers and the consumer reporting agencies responsible for reporting them

Company response to consumer: Closed with non-monetary relief