Consumer complaint received 2025-12-27 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:
b"I am submitting this complaint to report ongoing inaccurate collection accounts and unauthorized credit inquiries that continue to appear on my consumer credit reports despite being disputed. These reporting errors are causing ongoing harm and reflect failures to comply with the Fair Credit Reporting Act, 15 U.S.C. 1681(a)(1), 1681(b), and 1681b, as well as the Fair Debt Collection Practices Act where applicable. The furnishers and consumer reporting agencies have failed to ensure that the information being reported is accurate, complete, verifiable, and supported by a permissible purpose.\nXXXX XXXX Date Opened: XXXX Balance Owed: XXXX Late Payment  This account is inaccurately reporting late payments. My records do not support any delinquency during the reported periods. Please investigate and correct the payment history to accurately reflect my account status.\nXXXX XXXX Date Opened: XXXX Balance Owed: XXXX Late Payment  The late payment notation on this account is incorrect. I am requesting verification of the reported delinquency and correction of any inaccurate late payment history.\nXXXX XXXX XXXX XXXX Date Opened: XXXX Balance Owed: XXXX Late Payment  This account shows late payments despite a XXXX balance. This reporting is inaccurate and misleading. Please investigate and correct the payment history accordingly.\XXXX XXXX XXXX Date Opened: XXXX Balance Owed: XXXX Late Payment  The reported late payment history is not accurate. I am requesting correction of the payment status after proper investigation.\nXXXX XXXX XXXX  Date Opened: XXXX  Balance Owed: XXXX Late Payment  Late payment reporting on a XXXXbalance account is inaccurate. Please verify and correct the payment history as required by law.\XXXX XXXX Date Opened: XXXX Balance Owed: XXXX Late Payment  The late payment information reported on this account is incorrect. I am disputing the accuracy of the payment history and requesting correction.\nXXXX XXXX Date Opened: XXXX Balance Owed: XXXX Late Payment  This account contains inaccurate late payment reporting. Please conduct a reasonable investigation and correct any errors found.\nXXXX XXXX Date Opened: XXXX Balance Owed: XXXX Late Payment  The payment history being reported does not accurately reflect my records. I am requesting correction of the late payment status only.\XXXX XXXX  Date Opened: XXXX Balance Owed: XXXX Late Payment  The late payment notation on this account is being disputed as inaccurate. I am requesting correction of the payment history after proper verification.\nXXXX XXXX XXXX  Date Opened: XXXX Balance OwedXXXX XXXX Late Payment  Late payment reporting on this account is inaccurate and unsupported. Please investigate and correct the payment history accordingly.\XXXX XXXX XXXX Date Opened: XXXX Balance Owed: XXXX Chargeoff  I have no knowledge of this account being charged off as reported. The chargeoff status is disputed. Please investigate and delete this account if the chargeoff reporting cannot be fully verified as accurate.\XXXX XXXX Date Opened: XXXX Balance Owed: XXXX Late Payment  The late payment reporting on this account is inaccurate. I am requesting correction of the payment history after proper investigation.\nXXXX XXXX Date Opened: XXXX  Balance Owed: XXXX Late Payment  The reported late payments do not reflect my actual payment history. Please verify and correct any inaccurate late payment information.\nXXXX XXXX Date Opened: XXXX Balance Owed: XXXX  Late Payment  This account contains inaccurate late payment reporting. I am disputing the payment history and requesting correction only.\XXXX XXXX Date Opened: XXXX Balance Owed: XXXX Late Payment  The late payment status on this account is disputed as inaccurate. Please conduct a reasonable investigation and correct the payment history accordingly.\XXXX XXXX XXXX Date Opened: XXXX Balance Owed: XXXX Chargeoff  I have no knowledge of this account being charged off as reported. This chargeoff is disputed. If the information cannot be fully verified, this account must be deleted.\nXXXX XXXX  Date Opened: XXXX Balance Owed: XXXX  Late Payment  The late payment history being reported is inaccurate. I am requesting correction of the payment history only after verification.\nUXXXX XXXX Date Opened: XXXX Balance Owed: XXXX  Late Payment  Late payment reporting on a zero-balance account is inaccurate. Please investigate and correct the payment history.\XXXX XXXX  Date Opened: XXXX Balance Owed: XXXX Collection  I have no knowledge of this collection account. I am disputing ownership and requesting deletion if the account cannot be properly validated and verified.\nXXXX XXXX XXXX XXXX  Date Opened: XXXX Balance Owed: XXXX  Collection  This collection account is not recognized by me. Please provide proper verification or delete this account if it cannot be validated as required by law.\nXXXX XXXX XXXX Date Opened: XXXX  Balance Owed: XXXX Collection  I have no knowledge of this alleged debt. This account is disputed and must be deleted if it cannot be fully verified.\nXXXX XXXX XXXX XXXX Date Opened: XXXX Balance Owed: XXXX  Collection  I have no knowledge of this alleged debt. This account is disputed. Please provide proper verification or delete this account if it cannot be fully verified.\nXXXX XXXX Date Opened: XXXX  Balance Owed: XXXX Collection  I do not recognize this collection account. I am disputing ownership and requesting deletion if the account cannot be validated as required by law.\nXXXX XXXX Date Opened: XXXX Balance Owed: XXXX Collection  I have no knowledge of this account. This collection is disputed and must be deleted if it cannot be properly verified.\nXXXX XXXX Date Opened: XXXX Balance Owed: XXXX Chargeoff  I have no knowledge of this account being charged off as reported. The chargeoff status is disputed. Please delete this account if the information cannot be fully verified.\XXXX XXXX Date Opened: XXXX Balance Owed: XXXX Collection  I have no knowledge of this collection account. Please investigate and delete this account if it cannot be verified as accurate.\nXXXX XXXX XXXX XXXX  Date Opened: XXXX  Balance Owed: XXXX  Collection  I do not recognize this alleged debt. This account is disputed and must be deleted if it cannot be fully validated.\XXXX XXXX XXXX Date Opened: XXXX Balance Owed: XXXX Collection  I have no knowledge of this account. I am disputing ownership and requesting deletion if verification cannot be provided.\XXXX Date: XXXX Inquiry  I have no knowledge of this inquiry. It was not authorized and must be deleted.\nXXXX Date: XXXX Inquiry  This inquiry is unauthorized and inaccurate. Please delete it.\XXXX Date: XXXX Inquiry  I did not authorize this inquiry. Please delete it.\nXXXX Date: XXXX Inquiry  This inquiry was made without my consent and is disputed. Please delete it.\nXXXX Date: XXXX Inquiry  I did not authorize this inquiry. Please delete it.\nXXXX Date: XXXX Inquiry  This inquiry was not authorized and must be deleted.\nDespite disputes, these items continue to be reported without proper verification or permissible purpose. I respectfully request that the CFPB review this matter and require the furnishers and consumer reporting agencies to comply with the Fair Credit Reporting Act and Fair Debt Collection Practices Act by correcting or deleting any information that cannot be fully verified as accurate, complete, and lawful."

Company response to consumer: Closed with non-monetary relief