Consumer complaint received 2025-12-09 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:
b'To Whom It May Concern This is an urgent complaint regarding multiple inaccurate, false, and damaging accounts being reported on my credit profile. I am requesting an immediate investigation under the Fair Credit Reporting Act (FCRA) because these accounts are reporting incorrect late payments, charge-offs, and collections that I do not recognize or that are being reported completely inaccurately. I am suffering severe harm due to these false entries and demand full correction and deletion of wrong information. XXXX XXXX  Date Opened XXXX Balance XXXX reporting late payments is completely inaccurate because I never made any late payments and the creditor has failed to validate this information. XXXX XXXX XXXX Date Opened XXXX Balance XXXX reporting late payments is false. I never paid late and this reporting violates FCRA Accuracy requirements. XXXX XXXX XXXX  Date Opened XXXX Balance XXXX late payment reporting is wrong and unverified. XXXX XXXX XXXX XXXX Date Opened XXXX Balance XXXX late payment reporting is inaccurate. XXXX XXXX  Date Opened XXXX Balance XXXX late payment reporting is false. XXXX XXXX Date Opened XXXX Balance XXXX late payment reporting is inaccurate. XXXX XXXX Date Opened XXXX Balance XXXX reported late is false and harmful. XXXX XXXX XXXX XXXX  Date Opened XXXX Balance XXXX  late payment entry is wrong. XXXX XXXX  Date Opened XXXX Balance XXXX late payment is inaccurate. XXXX XXXX  Date Opened XXXX Balance XXXX late payment reporting is false. XXXX XXXX Date Opened XXXX  Balance XXXX late payment reporting is wrong. XXXX  multiple accounts XXXX opened XXXX XXXX XXXX XXXX XXXX  and others reporting late payments are all inaccurate, unverified, and not consistent with my payment history. XXXX accounts XXXX opened XXXX balance XXXX XXXX  opened XXXX balance XXXX XXXX opened XXXX balance XXXX all reporting late payments which are false, harmful, and unvalidated. XXXX XXXX  Date Opened XXXX reporting a charge off is completely unrecognized and I have no knowledge of this account. XXXX XXXX XXXX  Date Opened XXXX Balance XXXX collection is not mine and must be removedXXXX XXXX XXXX XXXX XXXX Date Opened XXXX Balance XXXX  collection not mine. XXXX XXXX  Date Opened XXXX  Balance XXXX collection not mine. XXXX XXXX XXXX XXXX Date Opened XXXX Balance XXXX collection not mine and extremely inaccurate. XXXX XXXX XXXX XXXX Date Opened XXXX Balance XXXX I have no knowledge of this collection. XXXX XXXX  Date Opened XXXX  Balance XXXX  collection is not mine. XXXX XXXX XXXX XXXX  Date Opened XXXX  Balance XXXX collection is inaccurate and unverified. XXXX XXXX XXXX XXXX  Date Opened XXXX  Balance XXXX  collection not mine. XXXX XXXX Date Opened XXXX Balance XXXX reporting any collection status is inaccurate. XXXX XXXX XXXX XXXX  Date Opened XXXX Balance XXXX I have zero knowledge of this account and no validation has been provided. I am demanding immediate investigation, correction, and deletion of all inaccurate, unverified, and harmful items listed above. These false reports violate FCRA Sections 602, 604, and 607 by failing to ensure maximum possible accuracy. I request written confirmation after corrections are completed.'

Company response to consumer: Closed with non-monetary relief