Consumer complaint received 2025-09-12 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: NJ

Complaint narrative:
I am submitting this formal complaint and dispute regarding multiple inaccurate, misleading, and damaging items on my credit report reported by various creditors and collection agencies These items violate the Fair Credit Reporting Act ( FCRA 15 U.S.C 1681 et seq ), Fair Debt Collection Practices Act ( FDCPA 15 U.S.C 1692 et seq ), and other applicable federal and state laws I demand an immediate investigation and correction of each inaccurate item Account Disputes : XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} Collection This collection is inaccurate, unverified, and violates FCRA 1681i and FDCPA 809Story : I never received proper notice or validation of this debt Despite repeated attempts to resolve the matter with the creditor, it remains on my credit report falsely portraying me as delinquent This has caused denial of personal loans and even employment opportunities where credit checks are required The continued reporting without verification is both illegal and harmful XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Collection I dispute this collection as unverified and misleading under FCRA 1681i and 1681e ( b ) Story : Duplicate reporting of this collection inflates my negative credit history artificially This false reporting affects my ability to secure housing and professional credit arrangements I have had to provide extensive documentation to lenders and landlords proving these debts are inaccurate, causing ongoing inconvenience and financial stress XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3100.00} Charge Off This charge off is reported incorrectly and violates FCRA 1681s-2 ( b ) Story : I dispute the validity and reporting of this charge off My financial records show timely dispute or payment arrangements The reported charge off has resulted in loan denials, housing application rejections, and significant emotional distress Misreporting large balances creates unnecessary financial harm and violates federal law XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00} Charge Off This charge off is incorrect and violates FCRA 1681s-2 ( b ) Story : This misreported charge off has led to repeated credit denials and has damaged my financial credibility Despite providing evidence of payment or dispute, the item remains on my credit report The inaccurate reporting has resulted in lost opportunities and financial harm XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off This charge off is reported in error and violates FCRA 1681s-2 ( b ) Story : Reporting a {$0.00} charge off creates a false impression of delinquency This inaccurate reporting has caused credit denials and financial inconvenience I have spent extensive time disputing this error and providing proof of account status The continued presence of this error constitutes reckless and negligent reporting under federal law I have suffered substantial financial loss, emotional distress, and disruption due to these inaccurate reports My credit score has been unfairly lowered impacting my ability to secure loans, housing, and essential financial services I am requesting that CFPB immediately investigate and direct all involved credit bureaus and creditors to remove, correct, or verify each disputed item per federal law I reserve all rights to escalate this matter to federal court and seek damages for willful and negligent violations of FCRA and FDCPA including statutory damages, attorney fees, and all other remedies allowed by law

Company response to consumer: Closed with non-monetary relief