Consumer complaint received 2025-09-16 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: FL

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccurate and harmful credit reporting entries being furnished to the credit bureaus. These accounts are reporting erroneous, misleading, and unverifiable information in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ). 

The following accounts are in dispute : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Reported as Late Payment. Date Opened : XX/XX/XXXX, XXXX : {$22000.00}. 

This tradeline is reporting derogatory late payments that are not accurate, verified, or supported by any proper documentation. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Reported as Collection. Date Opened : XX/XX/XXXX, XXXX : {$680.00}. 

This collection account is not validated. XXXX XXXX has failed to provide proper verification of debt. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX Reported as XXXX. Date Opened : XX/XX/XXXX, XXXX : {$4100.00}. 

This account is inaccurate, unverified, and is damaging my credit profile. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Reported as XXXX XXXX. Date Opened : XX/XX/XXXX, XXXX : {$470.00}. 

This account is reporting as a charge-off without substantiated evidence. 

XXXX XXXXXXXX XXXX XXXX  ( XXXX ) * * Reported as XXXX. Date Opened : XX/XX/XXXX, Balances : {$880.00} and {$1100.00}. 

These are duplicate collections reporting under the same creditor and account number, which is prohibited. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Reported as Collection. High Credit : {$810.00}. Date Opened : XX/XX/XXXX. 

This account appears to be inaccurately reporting and unverifiable. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Reported as Collection. High Credit : {$4400.00}. Date Opened : XX/XX/XXXX. 

This is another XXXX XXXX account with no proper validation provided. 

XXXX XXXX XX/XX/XXXX This inquiry was not authorized and must be removed as it constitutes an impermissible pull under FCRA. 

XXXX XXXX XX/XX/XXXX This inquiry was not authorized and must be removed immediately. 

My Complaint These accounts and inquiries are either inaccurate, unverifiable, duplicated, or unauthorized. By allowing these entries to remain, the credit bureaus and furnishers are in violation of : FCRA Section XXXX ( A ) : Right to fair and accurate credit reporting. 

FCRA Section XXXX & XXXX : My right to request proper validation of accounts. 

FCRA Section XXXX : Furnishers must ensure maximum possible accuracy. 

FDCPA Section XXXX : Prohibits false or misleading representations of debt. 

I demand an immediate investigation into these accounts and inquiries. If the furnishers can not provide proper verification and documentation within the legally mandated timeframe, these accounts must be deleted from my credit reports with all major credit bureaus ( Experian, Equifax, TransUnion ). 

Failure to comply will leave me no choice but to escalate this matter by seeking legal remedies for damages caused by negligent and willful non-compliance. 

Resolution Requested Remove all inaccurate, unverifiable, duplicate, and unauthorized accounts/inquiries listed above. 

Provide written confirmation of the results of your investigation.

Company response to consumer: Closed with non-monetary relief