Consumer complaint received 2025-07-10 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:
I am submitting this complaint due to serious inaccuracies and harmful reporting practices on my credit file that have led to financial, emotional, and personal distress. The listed credit reporting agencies have violated multiple provisions of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other relevant consumer protection laws. These accounts and addresses were reported inaccurately, without proper verification, and have continued to impact my credit unfairly. Below is a detailed breakdown of each issue : XXXX XXXXXXXX * * * ( High Balance : {$460.00} | Date Opened : XX/XX/XXXX ) Issue : Charge Off Violation : FCRA 1681s-2 ( b ), FDCPA 807 ( 8 ) Failure to properly verify disputed debts Details : This account was previously disputed due to inconsistencies in the balance, payment history, and the charge-off date. No documentation or contract has been provided to validate the debt. Continuing to report this item without investigation or validation is illegal and in violation of both FCRA and FDCPA. 
XXXX XXXX  BANK XXXX * * * ( High Balance : {$1000.00} | Date Opened : XX/XX/XXXX ) Issue : Charge Off Violation : FCRA 1681e ( b ), FDCPA 809 ( b ) Details : I have formally requested validation of this debt and received no proof of liability or original agreement. Despite this, it remains reported as a charge-off, harming my credit and violating my right to dispute under federal law. 
XXXX XXXXXXXX BANK XXXX * * * ( High Balance : {$510.00} | Date Opened : XX/XX/XXXX ) Issue : Charge Off Violation : FCRA 1681i ( a ), FDCPA 807 ( 8 ) Details : Reporting the same lender with multiple charge-offs without proper explanation or account separation may indicate duplicate or erroneous reporting. I never received notice of default, nor was I given a fair chance to dispute this item before charge-off status. 
XXXXXXXX XXXX XXXX XXXX  XXXX ( High Balance : {$24000.00} | Date Opened : XX/XX/XXXX ) Issue : Charge Off Violation : FCRA 1681s-2 ( a ) ( 1 ), TILA 131 ( g ) Details : This account was placed into charge-off without proper notice or due process. I requested documentation of the payment terms and loan history, which was never provided. This is a serious violation of my rights as a consumer. 
XXXX XXXX XXXX  XXXX * * ( High Balance : {$2700.00} | Date Opened : XX/XX/XXXX ) Issue : Late Payment Violation : FCRA 1681c ( a ) ( 5 ), Higher Education Act Details : Due to COVID-19-related forbearance and deferment protections, these late payments should not be reported. Their appearance is inaccurate and misleading, especially as no payment was due under federal relief acts during the relevant period. 
XXXX XXXX XXXX  XXXX * * ( High Balance : {$6000.00} | Date Opened : XX/XX/XXXX ) Issue : Late Payment Violation : CARES Act 4022, FCRA 1681c Details : This entry includes incorrect late payments during a federally protected forbearance period. I was enrolled in income-driven repayment and was not legally delinquent. This is discriminatory and misleading reporting. 
XXXXXXXX XXXX XXXX XXXXXXXX * * ( High Balance : {$1700.00} | Date Opened : XX/XX/XXXX ) Issue : Late Payment Violation : FCRA 1681s-2 ( a ), Higher Education Act Details : I submitted proper documentation for deferment, yet late payments were reported anyway. This is unfair and does not reflect the true history of this federal student loan account. 
XXXXXXXX XXXX XXXX XXXXXXXX * * ( High Balance : {$3500.00} | Date Opened : XX/XX/XXXX ) Issue : Late Payment Violation : FCRA 1681c, FDCPA 809 ( b ) Details : Late payments were incorrectly added during months when I was in deferment or forbearance. These are misleading and have damaged my credit unfairly, and no validation of these derogatory entries has been provided. 
XXXX XXXX XXXX XXXX * * * ( High Balance : {$700.00} | Date Opened : XX/XX/XXXX ) Issue : Collection Violation : FDCPA 809 ( b ), FCRA 1681i ( a ) Details : XXXX is reporting a collection that is not mine, and no notice was given before placing it on my report. I dispute this debt and demand validation. Their failure to respond violates federal consumer protection laws. 
XXXX XXXX XXXX XXXX- * * * ( High Balance : Not listed | Date Opened : XX/XX/XXXX ) Issue : Collection Violation : FDCPA 807, FCRA 1681e ( b ) Details : This vague and incomplete entry does not meet minimum reporting requirements. No original creditor, amount, or detailed history is provided. Reporting an incomplete and unverifiable debt is a direct violation of my rights. 
REQUEST FOR RELIEF I respectfully request that the Consumer Financial Protection Bureau fully investigate these matters. I request the removal of all the above incorrect addresses and inaccurate account entries from my credit file. The reporting agencies and creditors have repeatedly failed to meet their legal obligations under the FCRA and FDCPA. These entries have caused me financial harm, mental distress, and reputational damage. 
Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief