Consumer complaint received 2025-07-30 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 writing to file a formal complaint against the inaccurate, misleading, and unauthorized information being reported on my credit report by various furnishers and credit reporting agencies. Despite multiple attempts to dispute and correct these errors, they persist, causing me significant financial harm, emotional distress, and obstructing my access to fair credit.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to accurate reporting, proper validation of debts, and protection from unauthorized credit inquiries. Below I outline the specific items in dispute, the related violations, and my demands for immediate correction : XXXX XXXX XXXX XXXXXXXX, GA XXXX Wrong Address Repeated reporting of a similar incorrect address reflects systemic failures in the credit reporting system to ensure accuracy, contrary to FCRA Section 607 ( b ). Multiple incorrect address entries exacerbate the risk of identity confusion and fraudulent activity. This duplication demonstrates inadequate data management and insufficient procedures to avoid errors. This flawed reporting can lead to wrongful credit decisions that may cause financial hardship, such as loan denial or higher interest rates. My consumer rights under FCRA require that such inaccuracies be corrected without delay. I insist on the complete removal of all erroneous address entries related to this location. 
XXXX # XXXX * * Date Opened : XX/XX/XXXX High Credit : {$26000.00} * * Late Payments Santanders reporting of late payments on my account is disputed under FCRA Section 623 ( a ) ( 1 ) ( B ), which obligates furnishers to provide accurate and complete information. Reporting inaccurate late payments misrepresents my payment behavior, unfairly lowering my credit score and damaging my financial reputation. Such misreporting results in increased borrowing costs and may cause denial of credit opportunities. I have always maintained timely payments or corrected payments that were disputed, and this inaccurate reporting constitutes a material error. This violates my rights and is damaging to my financial health. I demand validation of these entries or immediate deletion of inaccurate late payments. 
XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX High Credit : {$610.00} * * Charge Off The charge off status reported is inaccurate and misleading, violating the Fair Debt Collection Practices Act ( FDCPA ) and FCRA. Charge offs indicate severe delinquency and negatively impact credit scores substantially. If this status is incorrect, it must be removed immediately to restore my credit standing. I dispute this entry because it does not reflect my payment history or the true status of the debt. The FCRA requires verification of disputed information, and failure to do so within 30 days mandates deletion. This false charge off results in unjust harm and must be corrected. 
XXXX  # XXXX * * Date Opened : XX/XX/XXXX High Credit : {$10000.00} * * Charge Off XXXX Banks charge off reporting is challenged due to lack of verification. Under FCRA Section 611 ( a ), I have the right to dispute inaccurate information, and furnishers must investigate and verify disputed data. A wrongful charge off signals severe credit delinquency and damages my creditworthiness. Incorrect negative reporting is actionable under FCRA, and failure to correct it can lead to legal consequences for the creditor and credit bureaus. I insist on an immediate review and removal if the charge off can not be validated. 
XXXX # XXXX * * Date Opened : XX/XX/XXXX High Credit : {$10000.00} * * Charge Off Discover Banks charge off status is disputed. According to FCRA, all negative information must be accurate and verifiable. Erroneous charge offs distort my credit history and unjustly reduce my credit score, impacting my ability to secure loans or favorable interest rates. This inaccurate reporting breaches my consumer rights and must be removed promptly to avoid ongoing harm. 
XXXX XXXX  XXXX # XXXX * * Date Opened : XX/XX/XXXX High Credit : {$3200.00} * * Charge Off XXXX XXXX XXXX has listed a charge off status that is inaccurate or unverified. FCRA and FDCPA require accurate reporting and prompt investigation of disputes. Such errors can mislead lenders, resulting in rejection of credit or increased costs. This false charge off harms my credit reputation and must be corrected immediately or removed. 
XXXX # XXXX * * Date Opened : XX/XX/XXXX Balance : {$1500.00} * * Charge Off XXXX XXXX 's charge off entry is disputed for accuracy under FCRA. Inaccurate negative reporting such as this violates my rights and damages my credit profile. I demand verification of this charge off or its removal if unverifiable to restore the accuracy of my credit report. 
XXXX - XX/XX/XXXX XXXX XXXX inquiry is disputed for lack of permission. Unauthorized credit pulls violate my rights and must be removed to restore credit integrity. 
XXXX - XX/XX/XXXX XXXX XXXX XXXX inquiry lacks my consent. I demand immediate deletion per FCRA protections against unauthorized credit inquiries. 
XXXX - XX/XX/XXXX XXXX Further Capital XXXX inquiry disputation for unauthorized access. All unauthorized inquiries damage my credit unfairly and must be removed. 
XXXX - XX/XX/XXXX XXXX Unauthorized inquiry by XXXX XXXX breaches FCRA consent requirements. XXXX removal is required. 
XXXX - XX/XX/XXXX XXXX Disputed inquiry by XXXX XXXX for lack of permissible purpose. FCRA protects consumers from such unauthorized access. Removal demanded. 
XXXX  - XX/XX/XXXX XXXX XXXX unauthorized inquiry by XXXX XXXX further harms credit score. Removal of all unauthorized inquiries is legally required. 
Demands I demand an immediate and thorough reinvestigation of all above-listed addresses, accounts, and inquiries. If the information can not be fully verified and validated as accurate, I require its permanent removal from my credit report. Failure to comply within the XXXX period will force me to pursue further legal remedies and escalate this complaint. 
Please provide me with written confirmation of your findings and actions taken in response to this complaint.

Company response to consumer: Closed with non-monetary relief