Consumer complaint received 2025-11-27 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: GA

Complaint narrative:
I am writing to dispute multiple inaccuracies on my credit report that are seriously affecting my credit profile and do not reflect my true personal information or payment history. First, my personal identifying information is reported incorrectly. My name is inaccurately listed, as XXXX XXXX XXXX is not correctly reflected on Equifaxs report. Additionally, my addresses are reported incorrectly on both Equifax and TransUnion ; my current address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX, and my previous address is XXXX XXXX XXXX, XXXX, GA XXXX XXXX These errors are causing confusion for creditors and misrepresent my identity, and I request that my full legal name and correct addresses be updated and verified to accurately reflect my current and previous residences. 
Second, several accounts are incorrectly reported with late or open statuses, late/closed statuses, and inaccurate balances. XXXX XXXX XXXX XXXX XXXX XXXX mortgage account shows numerous late payments that are inaccurately reported and overstated, including 30-day lates on XX/XX/XXXX and XX/XX/XXXX, 60-day lates on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, 90-day lates on XX/XX/XXXX and XXXX, and a 150-day late on XX/XX/XXXX, though I have documentation showing payment arrangements and reconciliations. Additionally, my XXXX accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) are reported as 90 days late with balances ranging from {$2000.00} to {$11000.00} ; I have records showing timely payments, payment plans, and dispute resolutions that contradict these reports. The XXXX  account ( XXXXXXXX XXXX XXXX XXXX XXXX  ) is listed as late/closed with a {$450.00} balance, which is inconsistent with my statements. I request a detailed reinvestigation and correction of these accounts to reflect accurate payment histories and balances. 
Third, numerous accounts are inaccurately reported as charged-off or in collections. Charge-off accounts include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, with balances ranging XXXX {$0.00} to {$22000.00}. I have documentation showing resolved balances, payment arrangements, and in some cases, accounts that should reflect paid-in-full status. Additionally, several collection accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), are reported in all three bureaus, with balances ranging from {$580.00} to {$3300.00}, though I have evidence of disputed balances, payments, and resolution requests. My inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) are missing entirely from Equifax and TransUnion reports XXXX All of these errors misrepresent my financial behavior, affect my ability to access credit, and create undue stress. I am requesting full verification, correction, and inclusion of all accurate information, along with written confirmation as mandated under the Fair Credit Reporting Act. These errors are not minor ; they impact my ability to qualify for credit, loans, and housing, and they create unnecessary stress and confusion. I am requesting a comprehensive reinvestigation, full corrections of all inaccuracies, verification of each accounts status and balance, and proper reporting of missing inquiries.

Company response to consumer: Closed with explanation