Consumer complaint received 2025-05-30 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 regarding the grossly inaccurate, misleading, and legally noncompliant reporting of multiple consumer credit accounts across several furnishers and reporting agencies. My repeated disputes and document requestsunder the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and the duties of furnishers ( 15 U.S.C. 1681s-2 ) have gone unanswered or inadequately addressed. As a result, these unresolved credit entries continue to impair my financial reputation, obstruct access to essential credit, and generate both emotional distress and financial harm. 

Disputed Accounts and Issues : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported as a charge-off with a {$0.00} high balance. It is fundamentally illogical and misleading to reflect a charge-off with no extended balance. This false data impairs my creditworthiness and violates the maximum possible accuracy clause under 607 ( b ) of the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Both accounts show charge-offs with a high balance of {$0.00}. These duplicate entries defy basic accounting logic and present conflicting data with no validation offered in previous disputes. The lack of supporting documentation or 1099-C forms ( for forgiven debts ) further violates both FCRA 611 and IRS reporting guidelines. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charged off with a high balance of {$13000.00}. This high-value derogatory mark was neither accompanied by a dunning notice nor validated under 15 U.S.C. 1692g. Prior requests for verification were met with silence or boilerplate stall responses. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Once again reported as a charge-off with a {$0.00} high balance. This entry matches a prior dispute and demonstrates either duplicated or unverified derogatory data. It is misleading, noncompliant, and must be deleted. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charged off for {$20000.00}. No underlying loan agreement or billing statements were ever provided to validate this account. This violates 609 ( a ) ( 1 ) of the FCRA, which entitles consumers to full source documentation upon request. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reports repeated late payments on a {$96000.00} account. No hardship notices or payment alternatives were offered during the pandemic period, and the late reporting failed to reflect any COVID-19 accommodations as outlined in the CARES Act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late payments are reported without providing any valid proof of communication or contract obligation after the account was closed. My requests for account records under FCRA have been ignored. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported as a charge-off of {$11000.00}. No 1099-C has been issued nor has this debt been verified under 1681i. Further, it continues to report without validation of liability or terms of default. 

XXXX XXXX XXXX XXXX XXXX XXXX Two collection entriesXXXX XXXX. ( Opened XX/XX/XXXX, {$1300.00} ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ) * * reflect impossible future dates, confirming reckless or fraudulent data handling practices. Reporting future accounts undermines the integrity of the entire report and constitutes blatant violations under FCRA 607 and 611. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Another collection account with a future opening date and no known original creditor documentation. This not only misrepresents the credit file but also violates my right to accurate and current reporting as per 605 ( a ). 

These accounts are creating a cascade of credit denials, escalating interest rates, and damaging personal credibility. Reporting agencies and furnishers are repeatedly failing their legal obligations under the FCRA and FDCPA. 

Requested Resolution : Immediate deletion of all accounts listed above, particularly those with {$0.00} charge-offs, future dates, or unverifiable debts. 

Written explanations and source verification documents for each tradeline under dispute. 

Confirmation of compliance within the legal window under 1681i and FDCPA 809. 

This is a formal notice requesting CFPB enforcement action and bureau supervision over the continued failure of furnishers and agencies to comply with federal law.

Company response to consumer: Closed with non-monetary relief