Consumer complaint received 2025-12-23 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 formal complaint regarding multiple inaccurate accounts and unauthorized credit inquiries that continue to appear on my credit report. These items remain despite prior disputes submitted directly to the credit reporting agencies. The continued reporting demonstrates a failure to comply with the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and a failure to ensure maximum possible accuracy of consumer information. 
ACCOUNT : XXXX XXXXXXXX * Date XXXX : XX/XX/XXXX Balance Owed : {$78000.00} Status : Late Payment ISSUE : This account is inaccurately reporting late payments. I never made late payments on this account as reported. The payment history is incorrect and materially misleading. Under 15 U.S.C. 1681e ( b ) and 1681s-2 ( a ), only accurate information may be reported. I am requesting immediate correction of the payment history to reflect accurate, on-time payments only. 
ACCOUNT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$500.00} Status : Late Payment ISSUE : The late payment reporting on this account is false. The information furnished does not reflect my actual payment activity. Continued reporting of inaccurate payment history violates 15 U.S.C. 1681e ( b ). I am requesting correction of the late payment history, not deletion of the account. 
ACCOUNT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Charge Off ISSUE : I have no knowledge of this account being charged off as reported. The balance is {$0.00}, yet it is still reported as a charge-off, which is inaccurate and misleading. Under 15 U.S.C. 1681a and 1681i, this account must be fully investigated and deleted if it can not be properly verified. 
ACCOUNT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3300.00} Status : Charge Off ISSUE : I dispute the accuracy of this charge-off. I have no knowledge of the account being reported in this manner. If the furnisher can not provide complete and accurate verification, this account must be deleted pursuant to 15 U.S.C. 1681i ( a ). 
ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Charge Off ISSUE : Reporting a charge-off with a XXXX balance is inaccurate and misleading. I have no knowledge of this account being charged off. This violates the requirement to report information with maximum possible accuracy under 15 U.S.C. 1681e ( b ). Immediate deletion is requested if verification can not be produced. 
ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$830.00} Status : Charge Off ISSUE : I dispute this charge-off and have no knowledge of the account being reported as such. The information appears incomplete and inaccurate. A full reinvestigation is required under 15 U.S.C. 1681i, and deletion is required if the furnisher fails to verify. 
ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$690.00} Status : Late Payment ISSUE : The late payment history reported on this account is inaccurate. I did not make late payments as reported. Under the Fair Credit Reporting Act, inaccurate payment history must be corrected. I am requesting correction of the payment history only. 
ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$850.00} Status : Late Payment ISSUE : This account is reporting late payments that are not accurate. The reporting does not reflect my actual payment behavior. Continued reporting of incorrect late payments violates 15 U.S.C. 1681e ( b ). Immediate correction is required. 
ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2100.00} Status : Charge Off ISSUE : I dispute the accuracy of this charge-off and have no knowledge of the account being reported in this manner. If proper verification can not be provided, this account must be deleted under 15 U.S.C. 1681i. 
ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3400.00} Status : Charge Off ISSUE : I have no knowledge of this account being charged off as reported. The information is inaccurate and misleading. Under 15 U.S.C. 1681e ( b ) and 1681i, this account must be fully investigated and deleted if it can not be properly verified with accurate documentation. 
ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$4800.00} Status : Charge Off ISSUE : I dispute the accuracy of this charge-off. I have no knowledge of this account being reported in this manner. Continued reporting without proper verification violates the requirement to report information with maximum possible accuracy. Deletion is required if verification can not be produced. 
ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$810.00} Status : Late Payment ISSUE : The late payment history reported on this account is inaccurate. I did not make late payments as reported. Under 15 U.S.C. 1681e ( b ), inaccurate payment history must be corrected. I am requesting correction of the late payment reporting only. 
ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00} Status : Collection ISSUE : I have no knowledge of this collection account. I have never been provided proper validation. Under XXXX XXXX. XXXX and applicable consumer protection law, this account must be investigated and deleted if it can not be fully verified. 
ACCOUNT : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1200.00} Status : Collection ISSUE : I dispute this collection account. I have no knowledge of the debt as reported. Continued reporting without proper verification violates federal law. Immediate deletion is required if verification can not be produced. 
ACCOUNT : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} Status : Collection ISSUE : This appears to be duplicate reporting of the same alleged account with conflicting balances. Duplicate and inconsistent reporting is inaccurate under 15 U.S.C. 1681e ( b ). One or all entries must be deleted if accurate verification can not be established. 
ACCOUNT : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$630.00} Status : Collection ISSUE : I have no knowledge of this alleged debt. The account has not been properly validated. Continued reporting without verification violates 15 U.S.C. 1681i and requires deletion. 
ACCOUNT : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$320.00} Status : Late Payment ISSUE : This account is inaccurately reporting late payments. I did not make late payments as reported. The payment history is incorrect and misleading. Under 15 U.S.C. 1681e ( b ), inaccurate payment history must be corrected immediately. 
INQUIRY : XXXX XXXX  Date : XX/XX/XXXX ISSUE : Duplicate inquiry reporting for the same date is inaccurate. XXXX or both entries must be deleted. 
INQUIRY : XXXX Date : XX/XX/XXXX ISSUE : I dispute this inquiry as unauthorized. No permissible purpose has been established. Deletion is required. 
INQUIRY : XXXX XXXX Date : XX/XX/XXXX ISSUE : This inquiry was not authorized by me. Continued reporting violates 15 U.S.C. 1681b. Immediate deletion is required. 
INQUIRY : XXXX XXXX Date : XX/XX/XXXX ISSUE : I did not authorize this inquiry. No permissible purpose exists. This inquiry must be removed. 
Despite submitting disputes, these inaccuracies remain on my credit report. This reflects a failure by furnishers and credit reporting agencies to conduct reasonable investigations as required under 15 U.S.C. 1681i. I am requesting that the CFPB review this matter and require the responsible parties to correct or delete all inaccurate accounts and unauthorized inquiries immediately.

Company response to consumer: Closed with non-monetary relief