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: LA

Complaint narrative:
I am submitting this complaint regarding continued inaccurate and unverifiable reporting on my consumer credit report. I have previously disputed these items directly with the credit reporting agencies. Despite my disputes, the accounts remain reported without proper verification. This failure to correct inaccurate information violates the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i. 
XXXX XXXX  XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$180000.00} | Late Payment This account is inaccurately reporting late payments. I have never made late payments on this account as reported. The payment history being furnished is not accurate or complete. Under the FCRA, furnishers are required to report information with maximum possible accuracy. I am requesting correction of the late payment history only. If the payment history can not be verified with competent evidence, it must be corrected immediately. 
XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$260.00} | Charge Off I have no knowledge of this account. I do not recognize this debt and dispute its ownership. You are required under the FCRA to conduct a reasonable reinvestigation and verify this account directly with the original creditor. If you can not fully verify this account, it must be deleted from my credit file. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$180.00} | Charge Off I have no knowledge of this account and dispute that it belongs to me. The reporting appears inaccurate and unsupported. Please provide full verification as required by law or delete this account if it can not be properly substantiated. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$1000.00} | Late Payment The late payment reporting on this account is inaccurate. I never made late payments as shown. This is a dispute of payment history accuracy only, not a request for deletion. Please correct the reporting to reflect accurate payment history in compliance with the FCRA. 
XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$170.00} | Charge Off I do not recognize this account and have no knowledge of it. This item is disputed as not mine. If you can not verify this account with proper documentation, it must be deleted as required under federal law. 
XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$270.00} | Late Payment The late payment information reported on this account is inaccurate. I never made late payments as claimed. Please conduct a lawful reinvestigation and correct the payment history only. Deletion is not being requested for this account. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$1000.00} | Late Payment This account is reporting incorrect late payments. The payment history does not reflect my actual performance. Under the FCRA, inaccurate payment history must be corrected promptly. 
XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$24000.00} | Late Payment The late payment reporting on this account is inaccurate. I never made late payments as reported. Please correct the payment history to reflect accurate information in compliance with federal law. 
XXXX  XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$3800.00} | Late Payment The late payment history being reported is inaccurate. I dispute the accuracy of the payment history only and request correction, not deletion. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$6800.00} | Late Payment This entry contains inaccurate late payment reporting. Please correct the payment history as required under the FCRA. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$11000.00} | Late Payment The late payment information is inaccurate and does not reflect my actual payment behavior. This is a request for correction of inaccurate reporting only. 
XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$3300.00} | Charge Off * * I have no knowledge of this account and do not recognize this debt. The reporting is inaccurate and unsupported. Please conduct a reasonable reinvestigation and delete this account if it can not be verified with proper documentation. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$780.00} | Collection * * I dispute this collection account as not mine. I have no knowledge of any obligation owed to this company. If this account can not be verified as required under the FCRA, it must be deleted. 
XXXX  XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$1100.00} | Collection * * I do not recognize this account and dispute ownership. Please provide full verification or delete this account if verification can not be completed. 
XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$2000.00} | Collection * * This account is disputed as not mine. I have no knowledge of this alleged debt. Continued reporting without verification is a violation of federal law. Delete if unverifiable. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$1200.00} | Collection * * I have no knowledge of this collection account. Please reinvestigate and delete this item if it can not be properly validated. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$1100.00} | Collection * * This account is disputed in its entirety. I do not recognize this debt and request deletion if verification can not be produced. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$200.00} | Collection I have no knowledge of this alleged debt. This account is disputed as not mine. Please provide lawful verification or delete this account if verification can not be completed. 
Despite submitting disputes, these companies and the credit reporting agencies have failed to conduct a reasonable reinvestigation as required by law. Continued reporting of unverifiable or unauthorized information is causing ongoing harm to the accuracy of my credit file. 
I am requesting that the CFPB investigate this matter and require the involved parties to either provide proper verification or remove the disputed items in full compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief