Consumer complaint received 2025-09-05 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:
I am filing this complaint because my credit report contains multiple inaccurate, unverifiable, and harmful items. Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I have the right to have only accurate and verifiable information reported. The following addresses, accounts, and inquiry must be investigated and deleted. 
XXXX XXXX XXXX * * High Balance {$950.00} Date Opened XX/XX/XXXX Charge Off * * Issue : Inaccurate charge off reporting. 
Law : FCRA Section XXXX prohibits furnishers from reporting information they know or should know is inaccurate. 
Story : This account is showing a charge off that does not reflect reality. No original documentation has been provided to validate this reporting. By keeping this unverified charge off, the bureau is violating my rights and harming my ability to access financial resources. 
XXXX XXXX XXXX * High Balance {$950.00} Date Opened XX/XX/XXXX Charge Off * * Issue : Duplicate and inaccurate charge off. 
Law : FCRA Section XXXX requires unverifiable information to be deleted. 
XXXX : This appears to be a duplicate charge off tied to my profile. It is misleading and creates the false appearance of multiple defaults. The bureau has not verified this account with original records and continues to publish it, which is harmful and unlawful. 
XXXX  XXXX High Balance {$340.00} Date Opened XX/XX/XXXX Charge Off * * Issue : This charge off is unverifiable. 
Law : FCRA Section 607 ( b ) requires accuracy, FDCPA Section 809 requires debt validation.

Story : No proper validation has been provided for this alleged charge off. Continuing to report this account without proof violates my rights and damages my credit. It is unfair, misleading, and unlawful under consumer protection laws. 
XXXX XXXX XXXX High Balance {$420.00} Date Opened XX/XX/XXXX Late Payment * * Issue : Inaccurate late payment reporting. 
Law : FCRA Section 609 requires furnishers to provide documentation to support disputed data.

Story : I have disputed this account and asked for verification, but no proper documents have been produced. Despite that, the bureau continues to report late payments that are harming my credit and painting me as financially irresponsible when I am not. 
XXXX XXXX  XXXX * High Balance {$17000.00} Date Opened XX/XX/XXXX Late Payment * * Issue : Reported late payments are unverifiable. 
Law : FCRA Section 607 ( b ) and Section 611 require accuracy and deletion if unverifiable.

Story : This account is showing derogatory information without proof. The bureau has not ensured maximum possible accuracy. This negligence misrepresents my financial history and damages my credit reputation. 
MI XXXX XXXX XXXX High Balance {$3000.00} Date Opened XX/XX/XXXX Charge Off * * Issue : Charge off is inaccurately reported. 
Law : FCRA Section 623 prohibits knowingly furnishing false data. 
Story : I have not been provided any original records or validation for this alleged charge off. By continuing to report this, the bureau is misrepresenting my credit profile and causing me harm in accessing credit. 
Closing Statement Each of these items is inaccurate, unverifiable, and unlawful. They are damaging my financial reputation, lowering my score, and violating my rights under the FCRA and FDCPA. I am requesting immediate reinvestigation and permanent deletion of each disputed item.

Company response to consumer: Closed with non-monetary relief