Consumer complaint received 2025-12-04 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 filing this complaint because several accounts on my credit file are being reported inaccurately. The furnishers and the credit bureau have failed to ensure maximum possible accuracy and have not provided verification of the alleged late payments or charge-offs. These errors are harming my credit and violate FCRA 602 ( A ), 607 ( B ), 611, 609, and 623 ( A ) ( 1 ) ( A ). I am requesting CFPB intervention for correction or deletion of all inaccurate items listed below. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$570.00} Late Payment * * The late payments are inaccurate because I have never paid late and no proof has been provided. 
Laws Violated : FCRA 602 ( A ), 607 ( B ), 611, 609, 623 ( A ) ( 1 ) ( A ) XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$580.00} Late Payment * * False late payments reported with no verification even though I have never paid late. 
Laws Violated : FCRA 602 ( A ), 607 ( B ), 611, 609, 623 ( A ) ( 1 ) ( A ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$330.00} Late Payment * * Late payment history is incorrect because I have never been late and no valid documentation exists. 
Laws Violated : FCRA 602 ( A ), 607 ( B ), 611, 609, 623 ( A ) ( 1 ) ( A ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$350.00} Late Payment * * Inaccurate late payments reported with no evidence. I always paid on time. 
Laws Violated : FCRA 602 ( A ), 607 ( B ), 611, 609, 623 ( A ) ( 1 ) ( A ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$490.00} Late Payment * * This account is reporting false late payments and the furnisher failed to verify. 
Laws Violated : FCRA 602 ( A ), 607 ( B ), 611, 609, 623 ( A ) ( 1 ) ( A ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1500.00} Late Payment * * These late payments are incorrect because I have never been late and no proof was provided. 
Laws Violated : FCRA 602 ( A ), 607 ( B ), 611, 609, 623 ( A ) ( 1 ) ( A ) XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$15000.00} Late Payment * * False late payments reported without validation even though I never paid late. 
Laws Violated : FCRA 602 ( A ), 607 ( B ), 611, 609, 623 ( A ) ( 1 ) ( A ) XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$530.00} Charge Off * * I have no knowledge of this account. No contract or verification has been provided. 
Laws Violated : FCRA 602 ( A ), 607 ( B ), 611, 609, 623 ( A ) ( 1 ) ( A ) XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$15000.00} Charge Off * * I do not recognize this account and no proof of ownership has been shown. 
Laws Violated : FCRA 602 ( A ), 607 ( B ), 611, 609, 623 ( A ) ( 1 ) ( A ) I request that the CFPB require a proper reinvestigation and the correction or deletion of all inaccurate information listed above.

Company response to consumer: Closed with non-monetary relief