Consumer complaint received 2025-12-22 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 to report ongoing violations 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., related to inaccurate, unverified collection accounts and unauthorized credit inquiries appearing on my consumer credit report. Despite my rights under federal law, these items continue to be reported without proper verification or permissible purpose. 
DISCOVERCARD Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$800.00} Issue : Late Payment This account is being reported with late payment history that is inaccurate. I have never made late payments on this account as reported. Under FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers may not report inaccurate information. I am disputing the payment history only and demanding correction of the inaccurate late payment reporting. If the information can not be verified as XXXX XXXX accurate, it must be corrected immediately. 
XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$420.00} Issue : Charge Off I have no knowledge of this account as reported. This account does not belong to me in the manner it is being reported. Under FCRA 1681b and 1681e ( b ), you are required to report only accurate and verifiable information. Conduct a full reinvestigation and delete this account if proper verification can not be produced. 
XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$3500.00} Issue : Charge Off I dispute this account in its entirety. I have no knowledge of this account and no contractual obligation related to it. Reporting unverified charge-off accounts violates FCRA 1681e ( b ). If you can not verify this account with complete and accurate documentation, it must be deleted. 
XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1100.00} Issue : Charge Off This account is inaccurately reported. I have no knowledge of this charge-off account. Under the FCRA, any information reported must be accurate, complete, and verifiable. Failure to properly verify requires immediate deletion from my credit file. 
XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$15000.00} Issue : Charge Off I dispute this account as reported. I have no knowledge of this charge-off status and dispute the accuracy of this tradeline. Reporting inaccurate charge-off information violates FCRA 1681s-2. If verification can not be completed, this account must be removed. 
XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$910.00} Issue : Collection This is a third-party collection account that I do not recognize. Under FDCPA 1692g, I dispute this debt and request validation. Until proper validation is provided, collection reporting must cease. If validation can not be provided, this account must be deleted. 
XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$240.00} Issue : Collection I have no knowledge of this alleged debt. This account has not been properly validated as required under FDCPA XXXX and is being inaccurately reported under FCRA standards. Immediate deletion is required if verification can not be produced. 
MIDLANDCRE Account Number : XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$1900.00} Issue : Collection I dispute this collection account in full. I have no knowledge of this debt and no agreement with this collector. Reporting unverified collection accounts violates both FCRA and FDCPA requirements. Delete this account if verification can not be completed. 
XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$1500.00} Issue : Collection This account is inaccurate and unverified. I dispute any obligation related to this account. Under FDCPA and FCRA, you must either validate this debt or remove it from my credit report. 
XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$1000.00} Issue : Collection I have no knowledge of this account. This collection is being reported without proper verification. Failure to validate requires deletion under FDCPA XXXX and FCRA XXXX ( b ). 
XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$970.00} Issue : Collection I have no knowledge of this alleged debt. This collection account has not been properly validated as required under FDCPA 1692g. Reporting unverified collection information violates FCRA 1681e ( b ). If validation can not be provided, this account must be deleted. 
XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$1200.00} Issue : Collection I dispute this collection account in its entirety. I have no knowledge of this debt and no contractual obligation with this collector. Until proper validation is provided, reporting must cease. Failure to validate requires deletion under FDCPA and FCRA. 
XXXX Date of Inquiry : XX/XX/XXXX Issue : Inquiry I dispute this inquiry as unauthorized. FCRA requires documentation of permissible purpose. Remove this inquiry if such proof can not be produced. 
XXXX  Date of Inquiry : XX/XX/XXXX Issue : Inquiry This inquiry is inaccurate and unauthorized. Under FCRA 1681b, it must be deleted immediately. 
These inaccurate collections and unauthorized inquiries have caused ongoing harm to the accuracy of my credit report. I am requesting CFPB assistance to ensure that the furnishers and credit reporting agencies comply with federal law by properly investigating these items and deleting any information that can not be fully verified or legally reported.

Company response to consumer: Closed with non-monetary relief