Consumer complaint received 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I am sending this complaint to formally bring to your attention several inaccuracies and inconsistencies appearing on my credit report. After carefully reviewing my file, I noticed that certain personal information and multiple open accounts are being reported in a manner that does not accurately reflect my payment performance or align consistently with how these same accounts are reported by other consumer reporting agencies. Because credit reports are relied upon for significant financial decisions, I am requesting a thorough reinvestigation to ensure my file reflects the maximum possible accuracy, as required by the Fair Credit Reporting Act. 
First, I would like to address an address entry that is currently being reported inaccurately. The address listed as XXXX XXXX XXXX XXXX, XXXX XXXX, KS XXXX, XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX not accurately reflect my correct residential information. I am requesting that this address be reviewed and corrected so that my personal identifying information is accurate and complete.In addition to the address discrepancy, I am disputing the accuracy of late payment notations being reported on several open accounts. These accounts are particularly concerning because the late payment histories reported to do not match the reporting shown on other consumer reporting agencies. Such inconsistencies indicate that the information may not have been properly verified prior to being furnished. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$26000.00} Date Opened : XX/XX/XXXX Date of Last Activity : XXXX 30 days XX/XX/XXXX reported different on other bureaus XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$35000.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX lates 30 days XX/XX/XXXX to XX/XX/XXXX lates 30 days XX/XX/XXXX lates XX/XX/XXXX XXXX 30 days reported different on other bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$17000.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Lates 30 days XX/XX/XXXX reported different on other bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$11000.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX lates 30 days XX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX lates 30 days XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX lates 60 days XXXX XXXXXXXX XXXX XXXX Balance Owed : {$4900.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX lates 03 days XX/XX/XXXX and XX/XX/XXXX late 60 days XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$7600.00} Date XXXX Date of Last XXXX late 30 days XX/XX/XXXX, late 60 days XXXX XXXX reported in EX Under 15 U.S.C. 1681i ( CRA 611 ), is required to conduct a reasonable reinvestigation of any disputed information and ensure that only accurate, complete, and verifiable data remains on a consumers credit file. Additionally, furnishers of information have an ongoing obligation under FCRA 623 ( a ) ( 2 ) to correct and update any information they later determine to be inaccurate or incomplete, and under FCRA 623 ( b ) to conduct a reasonable investigation once a dispute is submitted through a credit reporting agency. During this dispute process, 15 U.S.C. 1666 and 1666a restrict the reporting of disputed billing information without proper validation.

Company response to consumer: Closed with non-monetary relief