Consumer complaint received 2025-08-05 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: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding multiple instances of inaccurate, unverifiable, and misleading information being reported on my credit reports by furnishers and credit bureaus, which are in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Despite repeated attempts to dispute and correct these items, they continue to appear on my credit file, significantly damaging my financial integrity. 
NEGATIVE ACCOUNTS ( DISPUTE & DELETE OR CORRECT ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Issue : This is a third-party collection for a debt already listed separately under XXXX XXXX XXXX XXXX 
Law : FCRA 609 ( a ) ( 1 ) & FDCPA 809 Consumers have the right to request full validation and avoid double reporting. 
Story : Reporting the same debt under both the original creditor and collection agency inflates my debt load and damages my score unfairly. XXXX never provided any notice or validation. I was not even aware this account was sold or transferred. 
XXXX XXXX XXXX XXXX XXXX Issue : This is a charged-off auto loan, but no supporting statements or charge-off notice was ever sent. 
Law : FCRA 602 ( a ), FDCPA 809 Inaccurate reporting or lack of verification is unlawful. 
Story : I experienced job loss during XXXX and tried to communicate with XXXX XXXX XXXX but no support was given. Instead, they went straight to charge-off. I never received any formal final bill or chance to pay. This is unfair and financially devastating. 
XXXX XXXX XXXX Issue : Account is marked with late payment even after it's closed and paid. 
Law : FCRA 607 ( b ) Only accurate, updated data should remain. 
Story : I paid this off completely, and there should be no late payment being shown post-closure. This is misleading and damaging, especially as I was trying to get pre-approved for a mortgage when this showed up. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : Account charged off without offering any hardship plan or notification. 
Law : FDCPA 809, FCRA 611 Debt must be verified and consumers given due process. 
Story : I requested payment assistance but never got a reply. I was financially struggling due to personal medical issues. Instead of being helped, I was punished with a charge-off. I never even received a closing letter. 
XXXX XXXX XXXX XXXXXXXX Issue : Duplicate of XXXX  account same debt, reported twice. 
Law : FCRA 605 ( c ) Duplicate tradelines are considered misleading and should be corrected. 
Story : Im being punished twice for the same debt, once under the bank and again under a collection agency. This affects my debt ratio and score. It is clearly unfair, and I demand this be removed. 
XXXX XXXX XXXX : Showing late payments even though balance is {$0.00} and account is closed. 
Law : FCRA 607 ( b ) Outdated or false information must be corrected. 
Story : I completed this account successfully. Late marks are being reported long after closure. I dont even understand what late payment is being referred to. This is harming my payment history record. 
XXXX  ( multiple XXXX accounts ) * * Issue : All accounts are showing late payments during years I was under federal deferment or forbearance. 
Law : FCRA 607 ( b ), Higher Education Act Deferment/forbearance periods should not reflect delinquencies. 
Story : I was on official deferment and IDR plan due to financial hardship. My loan servicer failed to report this correctly. These accounts are damaging my credit for years even though I complied with all federal student loan rules. 
REQUEST FOR ACTION I am requesting the CFPB to : Investigate the listed accounts, addresses, and inquiries Direct the credit reporting agencies to remove or correct all inaccurate, duplicate, and unverifiable information Ensure XXXX XXXX and XXXX XXXXXXXX cease double-reporting Enforce validation requirements under FDCPA 809 Sanction furnishers and bureaus violating FCRA 602, 607, 609, 611 This situation has made it impossible for me to access fair credit, get approved for basic loans, and rebuild my financial life. Ive suffered emotional and financial distress due to these violations. 
Please let me know if additional documentation is needed. Im attaching a copy of my credit report highlighting the disputed entries.

Company response to consumer: Closed with non-monetary relief