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 CFPB complaint regarding continued inaccurate, incomplete, and unverified credit reporting by furnishers and consumer reporting agencies despite prior disputes. These issues remain unresolved, and the continued reporting violates the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and, where applicable, the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ). I have not yet submitted an FTC complaint. 
Under 15 U.S.C. 1681s-2 ( b ), furnishers are required to conduct a reasonable investigation after receiving a dispute and to report only accurate and complete information. Under 15 U.S.C. 1681e ( b ), consumer reporting agencies must ensure maximum possible accuracy. These obligations have not been met. 
XXXX XXXX XXXX XXXX High Balance : {$3300.00} | Date Opened : XX/XX/XXXX | Status : Charge Off This account is being reported as charged off without lawful proof of accuracy or complete payment history. No documentation has been provided showing how this charge-off was calculated or validated. Continued reporting without verification violates 15 U.S.C. 1681e ( b ). This account must be deleted or fully corrected. 
XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$950.00} | Date Opened : XX/XX/XXXX | Status : Charge Off The charge-off status is inaccurate and unsupported by any verified records. No proper investigation results have been provided after my prior dispute. Reporting unverifiable charge-off data violates the FCRA and requires immediate removal. 
XXXX XXXX XXXX XXXX  High Balance : {$2000.00} | Date Opened : XX/XX/XXXX | Status : Charge Off This account was reported as a charge-off shortly after opening, which raises serious accuracy and compliance concerns. No evidence has been provided to justify this status. This is not complete or accurate reporting under federal law and must be corrected or deleted. 
XXXX XXXX XXXX XXXX High Balance : {$730.00} | Date Opened : XX/XX/XXXX | Status : Late Payment The late payment history reported on this account is inaccurate. I did not make late payments as reported. This is a payment history error and must be corrected, not verified as is. Failure to correct violates 15 U.S.C. 1681i. 
XXXX XXXX XXXXXXXX XXXX XXXX  High Balance : {$2100.00} | Date Opened : XX/XX/XXXX | Status : Late Payment The late payment reporting on this account is false and does not reflect my actual payment behavior. This inaccurate payment history must be corrected immediately in compliance with the FCRA. 
XXXX XXXX XXXX XXXX XXXX High Balance : {$510.00} | Date Opened : XX/XX/XXXX | Status : Late Payment This is a separate account with inaccurate late payment reporting. Furnishing incorrect payment history is prohibited under federal law. Immediate correction is required. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$780.00} | Date Opened : XX/XX/XXXX | Status : Late Payment The reported late payments are inaccurate and unsupported by verified billing records. This constitutes incomplete and misleading reporting and must be corrected without delay. 
XXXX XXXXXXXX XXXX XXXX  High Balance : {$1200.00} | Date Opened : XX/XX/XXXX | Status : Late Payment This account reflects incorrect late payment information. I am disputing the accuracy of the payment history, and it must be corrected to reflect accurate reporting as required by law. 
XXXX XXXX XXXX XXXX  High Balance : {$3300.00} | Date Opened : XX/XX/XXXX | Status : Late Payment The late payment designation is inaccurate and has not been properly investigated. Continued reporting of incorrect payment history violates the FCRA and requires immediate correction. 
XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$4900.00} | Date Opened : XX/XX/XXXX | Status : Charge Off No proper investigation results or validation have been provided for this charge-off. Reporting unverified charge-off information is unlawful and must be deleted immediately. 
XXXX XXXX XXXX XXXX High Balance : {$5900.00} | Date Opened : XX/XX/XXXX | Status : Late Payment The late payment history on this account is inaccurate and misleading. This is a payment history reporting error that must be corrected under the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$1500.00} | Date Opened : XX/XX/XXXX | Status : Late Payment The late payment information reported is incorrect and does not reflect accurate account history. Continued reporting without correction violates federal law. 
XXXX XXXX XXXX XXXX XXXX  High Balance : {$38000.00} | Date Opened : XX/XX/XXXX | Status : Late Payment The late payment history reported on this account is inaccurate. I did not make late payments as reported. This is a payment history error and must be corrected to reflect accurate reporting in compliance with 15 U.S.C. 1681i. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$0.00} | Date Opened : XX/XX/XXXX | Status : Charge Off This account is reported as a charge-off despite a XXXX balance and without verified documentation supporting such status. No complete account history or lawful validation has been provided. Continued reporting violates the FCRA and requires immediate correction or deletion. 
XXXX, XXXXXXXX XXXX XXXX XXXX High Balance : {$0.00} | Date Opened : XX/XX/XXXX | Status : Charge Off The charge-off reporting on a zero-balance account is inaccurate and unsupported. No verification has been provided following dispute. This item must be corrected or removed due to non-compliance with federal law. 
XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$790.00} | Date Opened : XX/XX/XXXX | Status : Collection This collection account is being reported without proper validation. No evidence has been provided showing ownership of the debt, the original agreement, or a complete accounting. Reporting unverified collection information violates the FDCPA and FCRA and requires deletion. 
XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$1300.00} | Date Opened : XX/XX/XXXX | Status : Collection This collection is inaccurate and has not been properly validated. Failure to provide verification after dispute renders continued reporting unlawful. Immediate deletion is required. 
XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$1400.00} | Date Opened : XX/XX/XXXX | Status : Charge Off The charge-off status is being reported without lawful substantiation or verified billing records. No reasonable investigation results have been provided. This item must be corrected or deleted under the FCRA. 
XXXX XX/XX/XXXX Status : Inquiry I do not recall authorizing this inquiry. Please provide permissible purpose under 15 U.S.C. 1681b. If no valid authorization exists, this inquiry must be removed immediately. 
XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX Status : Inquiry This inquiry lacks proof of permissible purpose and consumer authorization. Continued reporting without authorization violates the FCRA and requires deletion. 
XXXX XXXX XXXX XX/XX/XXXX Status : Inquiry I did not authorize this inquiry. Please provide written authorization or remove this inquiry due to lack of permissible purpose. 
REQUEST FOR CFPB ACTION I am requesting that the CFPB require the furnishers and consumer reporting agencies involved to : Conduct lawful and reasonable investigations Provide proper verification for any information they continue to report Correct or delete all inaccurate, unverified, or unauthorized items listed above Confirm compliance with all applicable federal consumer protection laws If these violations continue, I will proceed with an FTC complaint based solely on continued non-compliance with federal law. 
I appreciate the CFPBs assistance in resolving these ongoing reporting violations.

Company response to consumer: Closed with non-monetary relief