Consumer complaint received 2025-12-04 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 complaint regarding several accounts that are being reported inaccurately on my credit report. The furnishing parties listed below are reporting information that I believe is false, unverifiable, and in violation of the FCRA ( Fair Credit Reporting Act ). I am respectfully requesting a full investigation into these accounts, correction of all inaccurate information, and removal of any data that can not be verified with proper documentation. 
XXXX. XXXX XXXX Acct : XXXX Date Opened : XX/XX/XXXX Reported Status : Charge Off Balance : {$9400.00} This account is being reported as a charge-off even though I have no verified documentation, billing statements, or signed agreement confirming this debt. I have never received proper validation from the furnisher. Under FCRA 602 & 609, any information reported must be accurate, complete, and fully verifiable. Since the furnisher has not provided proof of liability, I am requesting that this account be fully investigated and removed if validation can not be produced. 
XXXX. XXXX XXXX XXXX Acct : XXXX Date Opened : XX/XX/XXXX Reported Status : Charge Off Balance : {$53000.00} This charge-off is being reported inaccurately. I have no recollection of this account, and I have never received evidence proving that I am responsible for this debt. The furnisher has not provided any contract, payment history, or required verification. Reporting unverifiable information violates FCRA XXXX ( a ) accuracy requirements. I am requesting a full investigation and deletion of this account if proper documentation can not be shown. 
XXXX. XXXX XXXX Acct : XXXX Date Opened : XX/XX/XXXX Reported Status : Late Payment Balance : {$0.00} The late payment history being reported is incorrect. I never made any late payments on this account, and the reporting furnisher has not provided any legitimate evidence such as an internal payment ledger or timestamped records confirming a late payment. This is damaging my score and violates FCRA sections requiring accurate and complete reporting. I am requesting immediate correction and removal of any inaccurate late payment history. 
XXXX XXXX XXXX XXXX Acct : XXXX Date Opened : XX/XX/XXXX Reported Status : Collection Balance : {$360.00} I have no knowledge of this collection account. I never received any notice of debt, validation letter, or proof that this account belongs to me. A collection can not be legally reported without proper validation under FDCPA 809 ( a ). Since this debt is unverified and possibly fraudulent, I request that it be investigated and removed if validation can not be produced. 
Requested Action : I am requesting the CFPB to hold these furnishers accountable, require them to provide proper documentation, and remove any information that can not be verified. These inaccurate items are harming my credit profile and violating my consumer rights under the FCRA and FDCPA. 
Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief