Consumer complaint received 2025-09-14 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: GA

Complaint narrative:
To Whom It May Concern, I am filing this complaint under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. to dispute multiple inaccuracies on my credit report. These errors are causing significant harm to my creditworthiness and must be corrected immediately. 
Account Disputes : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$56.00} Reported Collection This account has been erroneously marked as a collection. I dispute this debt entirely. The reporting of this account as a collection is factually incorrect and harms my financial reputation. I have no outstanding obligation that warrants a collection status, and such misreporting has caused undue stress and may have influenced lenders decisions regarding my creditworthiness. I demand thorough investigation and removal of this account from my credit report. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reported Charge Off Reporting a {$0.00} balance as a charge-off is completely false. This error misleads lenders and paints an inaccurate picture of my financial behavior. The false charge-off negatively impacts my credit score and can lead to denial of credit, higher interest rates, and loss of financial opportunities. I insist that this inaccuracy be corrected immediately, and documentation verifying the correct account status should be provided. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reported Charge Off Similarly, this account has been incorrectly reported as a charge-off despite having a XXXX balance. This false reporting constitutes a serious error that adversely affects my financial standing. I have maintained responsible account management, and these incorrect charge-offs are damaging to my credit history. Immediate correction is required, and I expect written verification of the corrected status. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} Reported Charge Off This account has been erroneously reported as a charge-off. I have maintained proper account management, and this reporting is factually incorrect. The false charge-off status damages my credit profile, misleads lenders, and creates unnecessary financial obstacles. I insist that this inaccuracy be corrected immediately and supporting documentation provided verifying the true account status. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reported Late Payment I have consistently made timely payments on this account. The reported late payment is false and damaging. This incorrect reporting negatively affects my creditworthiness and misrepresents my financial reliability to potential lenders. I demand verification and immediate removal of this false late payment from my credit file. 
Story/Context : I have consistently managed my finances responsibly and monitored my accounts regularly. Despite this, these accounts have been misreported, resulting in undue stress, denial of credit, and loss of financial opportunities. The false charge-offs and late payments reflect negligence or noncompliance by creditors and credit bureaus under FCRA obligations XXXX These inaccuracies misrepresent my creditworthiness, hinder my ability to obtain loans and housing, and cause severe financial and personal consequences. 
Demand : I demand immediate investigation and removal or correction of all inaccurate information as required by law. Documentation verifying each accounts correct status must be provided. Failure to correct these inaccuracies will lead to escalation, including filing formal complaints with the CFPB, FTC, and considering legal action for damages caused by willful reporting of inaccurate information. 
I expect written confirmation within 30 days regarding actions taken to correct my credit report.

Company response to consumer: Closed with non-monetary relief