Consumer complaint received 2025-09-08 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 under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681x and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 16921692p. My credit report contains multiple false, misleading, and damaging entries, including charge-offs, late payments, and unauthorized hard inquiries. These inaccuracies have severely harmed my credit score, financial reputation, access to loans, housing opportunities, and professional credibility. The repeated negligence and willful reporting of false information demonstrates clear violations of federal law. I demand immediate investigation, correction, and removal of all inaccurate information. 
Account Disputes : XXXX XXXX Charge Off, High Balance {$8800.00}, Date Opened XX/XX/XXXX This charge-off is completely false. I have never missed a payment, and I have records proving all payments were timely. Reporting this false charge-off is a violation of FCRA 1681i ( a ) requiring reinvestigation and 1681s-2 ( a ) ( 1 ) ( A ) requiring accurate reporting. This false charge-off has prevented me from obtaining auto loans and mortgages, led to higher interest rates, and caused severe emotional stress. The constant rejection from financial institutions has affected my job-related relocation opportunities and my ability to secure housing. 
XXXX XXXX Late Payment, High Balance {$600.00}, Date Opened XX/XX/XXXX Reporting false late payments violates FCRA 1681s-2 ( b ). This has caused me to be flagged for credit risk incorrectly. Lenders have questioned my reliability, delayed approvals, and imposed higher fees. The false reporting has also caused me emotional distress and undermined my trust in the financial system. 
XXXX XXXX Late Payment, High Balance {$2100.00}, Date Opened XX/XX/XXXX This account is reported as late despite timely payments. Violates FCRA 1681i ( a ). The misreporting has already caused a personal loan application to be denied and increased scrutiny on routine banking transactions. Each false late payment compounds the financial and reputational harm. 
XXXX XXXX Charge Off, High Balance {$3900.00}, Date Opened XX/XX/XXXX This charge-off is false. Violates FCRA 1681i ( a ) and 1681s-2 ( b ). This error has blocked my ability to rent an apartment and caused repeated delays in job-related background checks. The charge-off is a substantial financial and personal burden, affecting nearly every aspect of my life. 
XXXX XXXX Late Payment, High Balance {$3900.00}, Date Opened XX/XX/XXXX Reporting this account as late is inaccurate and violates FCRA 1681s-2 ( b ). The false late payment delayed my mortgage application and forced me to repeatedly submit payment records, causing stress, frustration, and risk of losing favorable mortgage terms. Financial institutions now view my credit history inaccurately, resulting in higher interest rates and denied credit opportunities. 
XXXX XXXX XXXX Charge Off, High Balance {$6600.00}, Date Opened XX/XX/XXXX This charge-off is false and violates FCRA 1681s-2 ( b ) and 1681e ( b ) requiring accurate reporting. The false charge-off has caused repeated denials for car loans and credit cards, significantly limiting my access to financial services. I have also experienced emotional distress and professional challenges due to repeated questioning of my financial reliability. 
XXXX XXXX Charge Off, High Balance {$7400.00}, Date Opened XX/XX/XXXX Reporting this account as a charge-off is inaccurate and violates FCRA 1681i ( a ) and FDCPA 1692e. The false report has blocked my ability to refinance my mortgage, delayed housing applications, and caused higher interest rates on lines of credit. I have incurred financial losses, wasted time disputing this error, and experienced repeated stress due to inaccurate reporting. 
XXXX XXXX Late Payment, High Balance {$1100.00}, Date Opened XX/XX/XXXX The reported late payment is false and violates FCRA 1681i ( a ) and 1681s-2 ( b ). This inaccuracy has resulted in denial of personal loans, delayed housing applications, and repeated requests for verification of timely payments, causing both financial and emotional hardship. 
XXXX XXXX XXXX Late Payment, High Balance {$10000.00}, Date Opened XX/XX/XXXX The reported late payment is inaccurate and violates FCRA 1681i ( a ). This false report has led to denial of credit card applications, higher interest rates, and increased scrutiny on all financial applications. It has caused unnecessary anxiety and frustration as I am forced to defend accurate financial behavior repeatedly. 
XXXX XXXX Late Payment, High Balance {$7500.00}, Date Opened XX/XX/XXXX This account is falsely reported as late. Violates FCRA 1681i ( a ) and 1681s-2 ( b ). Due to this inaccurate late payment, my car loan application was denied, my interest rates increased on pending financial products, and I experienced significant stress in attempting to correct these false reports with the creditor. 
XXXX XXXX Late Payment, High Balance {$2100.00}, Date Opened XX/XX/XXXX Reporting this account as late is false and violates FCRA 1681i ( a ) and FDCPA 1692e. The misreporting delayed my loan approval, increased the cost of credit, and caused repeated unnecessary interactions with the creditor to verify my timely payments. 
XXXX XXXX Charge Off, High Balance {$36000.00}, Date Opened XX/XX/XXXX This charge-off is completely inaccurate. Violates FCRA 1681s-2 ( b ) and 1681e ( b ) requiring accurate reporting. Because of this false charge-off, my mortgage application was delayed, my credit score dropped significantly, and lenders repeatedly questioned my financial reliability. The false reporting has caused substantial financial loss and emotional distress. 
XXXX XXXX XXXX XXXX Charge Off, High Balance {$50000.00}, Date Opened XX/XX/XXXX This account has been falsely reported as a charge-off. Violates FCRA 1681i ( a ) and FDCPA 1692e. The inaccurate reporting blocked my ability to refinance my property, caused denial of auto financing, and created severe stress and financial burden. Each false item compounds the harm done to my creditworthiness. 
XXXX XXXX XXXX  Late Payment, High Balance {$3500.00}, Date Opened XX/XX/XXXX The reported late payment is inaccurate. Violates FCRA 1681i ( a ) and 1681s-2 ( b ). Because of this false report, I faced higher interest rates, repeated verification requests from lenders, and unnecessary personal stress while attempting to correct my credit history. 
XXXX XXXX Charge Off, High Balance {$4500.00}, Date Opened XX/XX/XXXX This charge-off is false. Violates FCRA 1681s-2 ( b ) and 1681e ( b ). The inaccurate reporting caused denial of housing applications, delays in credit approvals, and significant emotional distress. Repeated verification requests and denials based on false reporting have been extremely stressful and financially damaging. 
XXXX XXXX Late Payment, High Balance {$8200.00}, Date Opened XX/XX/XXXX Reporting this account as late is inaccurate. Violates FCRA 1681i ( a ) and FDCPA 1692e. This false late payment blocked my access to new credit lines, caused higher interest rates, and forced me to submit repeated evidence proving my timely payments, creating financial loss and stress. 
XXXX XXXX Charge Off, High Balance {$11000.00}, Date Opened XX/XX/XXXX This charge-off is completely false. I have documentation proving that all payments were made as agreed. Reporting this false charge-off violates FCRA 1681i ( a ), 1681s-2 ( b ), and 1681e ( b ). This false reporting has blocked my ability to secure auto financing, delayed housing applications, and caused repeated denials for personal and business loans. The financial loss and emotional distress caused by this inaccuracy are significant. 
Inquiry Disputes : XXXX XX/XX/XXXX Unauthorized inquiry. Violates FCRA 1681b. The false inquiry led to delays in credit approval and increased scrutiny from lenders, affecting my ability to secure auto financing. 
XXXX XXXX XXXX XX/XX/XXXX Unauthorized inquiry. Violates FCRA 1681b. This inaccurate reporting created unnecessary stress, delayed credit applications, and caused financial and administrative burdens. 
Narrative : The repeated false reporting of charge-offs and unauthorized hard inquiries demonstrates a clear pattern of negligence and potential willful violation by creditors and reporting agencies. Each false item has caused measurable financial loss, denial of credit, housing delays, professional obstacles, and emotional distress. Reporting false information violates FCRA 1681i ( a ), 1681s-2 ( b ), 1681e ( b ) and 1681b, as well as FDCPA 1692e, 1692f. I have repeatedly attempted to resolve these issues directly with creditors, yet the false information persists. Continued reporting of false information constitutes harassment, defamation, and deliberate interference with my financial stability. I demand immediate reinvestigation, correction of misreported accounts and inquiries, and written confirmation once all corrections are completed. 
Request for CFPB Action : I request that the CFPB enforce compliance with FCRA and FDCPA, ensuring all inaccurate information is corrected or deleted immediately. The responsible parties must be held accountable for willful or negligent reporting of false, misleading, and damaging information. These errors have caused substantial financial and reputational harm and must be corrected without delay.

Company response to consumer: Closed with non-monetary relief