Consumer complaint received 2025-12-29 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 to report ongoing violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) by credit reporting agencies and data furnishers. I previously disputed the accounts listed below directly with the bureaus. Despite my dispute, the inaccurate information remains reporting. This complaint is submitted while my prior dispute efforts have failed. I have not submitted an FTC report at this time.

The continued reporting of duplicate charge-offs, conflicting open dates, and unverified balances demonstrates a failure to conduct a reasonable investigation and a failure to ensure maximum possible accuracy as required by 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2 ( b ). 
DISPUTED ACCOUNTS AND DETAILED ISSUES XXXX XXXX XXXX High Balance : {$5100.00} | Date Opened : XX/XX/XXXX Status : Charge Off Issue : This account appears to be a duplicate of the XXXX XXXX  account listed above, reported with a different open date. Duplicate reporting of the same obligation is deceptive, inflates derogatory history, and fails the accuracy standards required by federal law. 
XXXX XXXX XXXX High Balance : {$19000.00} | Date Opened : XX/XX/XXXX Status : Charge Off Issue : This listing appears to be a second entry of the same XXXX XXXX  obligation with a conflicting open date. Duplicate charge-offs are materially misleading and must be corrected or deleted immediately. 
XXXX XXXX High Balance : {$16000.00} | Date Opened : XX/XX/XXXX Status : Charge Off Issue : The charge-off status has not been properly substantiated. No lawful verification has been provided showing ownership, balance accuracy, or compliance with reporting requirements. Continued reporting fails the standard of maximum possible accuracy. 
XXXX XXXX XXXX High Balance : {$10000.00} | Date Opened : XX/XX/XXXX Status : Charge Off Issue : Duplicate reporting of the same XXXX XXXX  account under a different open date. This practice misrepresents the account history and unlawfully increases the negative impact on my credit file. 
XXXX XXXX High Balance : {$3900.00} | Date Opened : XX/XX/XXXX Status : Charge Off Issue : This account continues to report despite the absence of proper verification following my initial dispute. Failure to correct or delete unverified information violates federal reinvestigation standards. 
XXXX XXXX XXXX High Balance : {$13000.00} | Date Opened : XX/XX/XXXX Status : Charge Off Issue : The charge-off reporting is inaccurate and unsupported. No documentation has been produced demonstrating how the balance, delinquency, or charge-off status was determined. 
REQUESTED CFPB RESOLUTION I respectfully request that the CFPB require the credit reporting agencies and furnishers to : Provide documented proof of a lawful investigation for each disputed item Delete all duplicate, unverifiable, and inaccurate charge-off accounts Remove unauthorized inquiries lacking permissible purpose Correct my credit report to reflect only accurate, verified information The continued reporting of these items after dispute demonstrates noncompliance with federal law. I submit this complaint in good faith and request CFPB assistance to ensure compliance.

Company response to consumer: Closed with non-monetary relief