Consumer complaint received 2025-08-08 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: NV

Complaint narrative:
To the Consumer Financial Protection Bureau ( CFPB ), I am submitting this formal complaint because the credit bureaus are reporting false, unauthorized, and unverified information on my credit reports. Despite my attempts to dispute these matters directly with the bureaus, they have failed to correct or remove these violations. I am requesting immediate enforcement and action from the CFPB to hold the furnishers and the credit reporting agencies accountable for these ongoing violations of federal law. 

ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AS XXXX Law : FCRA XXXX XXXX XXXX ( b ) Issue : This address is incorrect and does not belong to me Story : I have never lived at or been associated with this address Reporting this incorrect address is a violation of your obligation to maintain accurate personal identifying information and creates confusion on my file I demand its immediate deletion from my credit report ACCOUNTS XXXX XXXX XXXX  XXXX * * Date Opened : XX/XX/XXXX Balance : {$2000.00} Charge Off * * Law : FCRA 15 USC 1681e ( b ) and 1681i Issue : Inaccurate charge-off balance and unverifiable details Story : This account is reporting a charge-off inaccurately I have requested investigation in previous disputes and received no supporting documentation proving accuracy Therefore I dispute its validity and request deletion XXXX XXXX XXXX # XXXX * * Date Opened : XX/XX/XXXX Balance : {$1000.00} Charge Off * * Law : FCRA 15 USC 1681i Issue : Reaged and unverifiable account Story : The account shows discrepancies in date and status and has not been properly verified I demand removal due to lack of response and proper documentation in previous disputes XXXX XXXX XXXX # XXXX * * Date Opened : XX/XX/XXXX Balance : {$1000.00} Charge Off * * Law : FCRA 15 USC 1681e ( b ) Issue : Duplicate or reaged account Story : This account is duplicative of another XXXX XXXX XXXX XXXX account This may indicate re-aging and unfair reporting I demand this be corrected or deleted immediately XXXX  ( Original Creditor : XXXX XXXX XXXX AT XXXX XXXX A ) XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} Collection * * Law : FCRA 15 USC 1692g and 1681i Issue : Third-party collection not validated Story : I never received any debt validation notice under the FDCPA This collection has not been proven to be mine and should be deleted XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ) # XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} Collection * * Law : FCRA 1681i and FDCPA 809 Issue : No validation provided and reported without consent Story : This collection was never validated and I was not informed of any outstanding debt by the original creditor This reporting is in violation of my rights XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX SIGNATURE ) # XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} Collection * * Law : FDCPA 809 and FCRA 1681e ( b ) Issue : Incomplete and unverifiable information Story : This entry has not been verified properly and has inconsistencies with the original account I demand its deletion XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) # XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Collection * * Law : FCRA 1681e ( b ) and 1681i Issue : Lack of accurate reporting and validation Story : I never received notice of this debt and you have failed to provide verification on request This is a reporting violation XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  # XXXX * * Date Opened : XX/XX/XXXX Balance : {$1100.00} Collection * * Law : FDCPA 809 Issue : Debt not verified after request Story : I dispute this debt and was never sent any proper validation I did not authorize this reporting and want immediate removal XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) # XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} Collection * * Law : FCRA XXXX Issue : Invalid reporting and no verification Story : This account has been reported without proper notice or documentation Ive already disputed this and no validation was given Delete it immediately XXXX XXXX Multiple Accounts with Late Payments Law : FCRA XXXX ( b ) and XXXX Issue : Late payments reported inaccurately across multiple entries Story : The Department of Education accounts below show repeated, XXXX XXXX XXXX which I dispute as inaccurate and harmful I request an immediate reinvestigation and removal of any unverifiable data XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment These late payments are excessive and inconsistent and do not reflect accurate history for federal student loans They must be reviewed and corrected or removed INQUIRIES XXXX XXXX  Hard Inquiry Dated XX/XX/XXXX Law : FCRA 1681b Issue : Unauthorized credit pull Story : I never applied for credit with XXXX Bank on this date This inquiry is XXXX and should be removed immediately US BANK Hard Inquiry Dated XX/XX/XXXX Law : FCRA XXXX Issue : Duplicate or unauthorized pull Story : This is a second unauthorized inquiry within days from the same company I did not give permission for this access and request immediate deletion I am demanding immediate investigation and enforcement by the CFPB to ensure all listed addresses, unauthorized inquiries, and unverified accounts are removed from all credit bureau reports. These issues are damaging my credit score, affecting my financial opportunities, and violating my consumer rights. The credit bureaus and data furnishers have failed to comply with the Fair Credit Reporting Act, and I rely on the CFPB to ensure these violations are addressed with urgency and consequence. I request full correction, deletion, and written confirmation of all resolved matters from the CFPB and all involved parties.

Company response to consumer: Closed with non-monetary relief