Consumer complaint received 2025-10-09 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: FL

Complaint narrative:
I am submitting this formal complaint to request a full investigation into multiple inaccurate, incomplete, and improperly reported accounts appearing on my credit file. The following creditors and debt collectors have reported accounts with erroneous, misleading, and inconsistent information that has caused significant harm to my credit profile, financial standing, and consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

The accounts in question are as follows : XXXX # XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$330.00} Reported Late Payment * * XXXXXXXX  # XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Reported Late Payment * * XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$100.00} Reported Late Payment * * XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} Reported Late Payment * * XXXX FCU # XXXX * * Date Opened : XX/XX/XXXX Balance : {$0.00} Reported Late Payment * * XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$790.00} Reported Collection * * XXXX XXXX  ( Original Creditor : XXXX XXXX # XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$210.00} Reported Collection * * XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} Reported Charge Off * * XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$990.00} Reported Collection * * XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Reported Charge Off * * XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$700.00} Reported Collection * * XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} Reported Collection ( Duplicate Reporting ) * * XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reported Charge Off * * XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$400.00} Reported Charge Off * * Reasons for Complaint : Inaccurate Late Payments & Charge-Offs Several accounts ( e.g., XXXX XXXX XXXX XXXX XXXX XXXXXXXX, etc. ) reflect late payments or charge-offs that are either factually incorrect or unverifiable. 

Duplicate XXXX XXXX XXXX ( # XXXX ) is reporting two separate balances ( {$700.00} and {$1200.00} ) for the same account, which constitutes double jeopardy and is unlawful under the FCRAs accuracy provisions. 

Balance/Status Conflicts Accounts such as XXXX XXXX XXXX Balance {$0.00} reported as Charge Off ) and XXXXXXXX XXXX  XXXX Balance {$0.00} with Late Payment ) demonstrate logical inconsistencies that indicate faulty reporting or failure to update accurate data. 

Improper Collection Reporting Some collection accounts ( XXXX XXXX, XXXX, XXXX XXXX XXXX appear to be reported without sufficient validation of debt ownership or assignment, violating the FDCPA ( Fair Debt Collection Practices Act ) and FCRA 623 ( a ).

Overall Failure of Furnishers & Bureaus These furnishers have failed to maintain accuracy, integrity, and fairness in reporting consumer information as required under FCRA 607 ( b ) and FCRA 623 ( b ).

Requested Resolution : A full investigation into each of the accounts listed.

Removal or correction of all inaccurate, duplicate, unverifiable, or conflicting entries from my credit file.

Written confirmation of corrective action taken by each furnisher and credit bureau.

Assurance of compliance with FCRA and FDCPA obligations going forward.

These errors have caused direct harm to my creditworthiness, ability to access fair credit, and overall financial stability. I am requesting CFPBs immediate intervention to ensure my consumer rights are protected.

Company response to consumer: Closed with non-monetary relief