Consumer complaint received 2025-12-22 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 complaint to report ongoing violations of the Fair Credit Reporting Act 15 U.S.C. 1681 et seq. and the Fair Debt Collection Practices Act 15 U.S.C. 1692 et seq. Multiple inaccurate, unverified, and unauthorized items are being reported on my consumer credit file despite prior disputes. The furnishers and consumer reporting agencies have failed to conduct a reasonable investigation and have continued reporting information that can not be substantiated, causing ongoing harm to the accuracy of my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX  High Balance {$240000.00} Date Opened XX/XX/XXXX is being reported as a charge off without any documentation showing a complete payment history, contractual obligation, or evidence that this account was accurately charged off under applicable reporting standards. I have not been provided with proof of investigation, method of verification, or documents establishing accuracy as required under 15 U.S.C. 1681i. Continued reporting without proper verification constitutes inaccurate reporting and must be corrected or removed. 
XXXX XXXX XXXXXXXX XXXX XXXX High Balance {$51000.00} Date Opened XX/XX/XXXX is being reported as a charge off with no complete payment history, no signed agreement, and no evidence demonstrating that the balance reported is accurate. Reporting a large balance charge off without substantiation materially harms my credit profile and violates 15 U.S.C. 1681e ( b ). 
XXXX XXXXXXXX XXXX XXXX High Balance {$18000.00} Date Opened XX/XX/XXXX is reported with late payment history that is inaccurate. I dispute the late payment reporting as incorrect and unsupported. The FCRA requires that payment history be reported accurately and corrected when disputed. If late payments can not be verified with actual payment records, they must be corrected or removed. 
XXXX XXXX XXXX XXXX XXXX  High Balance {$18000.00} Date Opened XX/XX/XXXX is reported as a charge off with incomplete and unverifiable account history. I dispute the charge-off status and balance as inaccurate. Absent proper verification, this account must be corrected or deleted pursuant to 15 U.S.C. 1681i. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX High Balance {$2300.00} Date Opened XX/XX/XXXX is reported as a collection account. I dispute this account in its entirety. As a third-party debt collector, XXXX XXXX XXXX is required under 15 U.S.C. 1692g to provide written validation of the alleged debt. No such validation has been provided, and collection reporting must cease until proper verification is furnished. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  High Balance {$7000.00} Date Opened XX/XX/XXXX is reported as a charge off without evidence establishing accuracy, payment history, or contractual liability. Reporting an unverified charge off violates the FCRA and must be corrected or removed. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX High Balance {$17000.00} Date Opened XX/XX/XXXX is reported as a charge off without a complete and accurate payment history, proof of default, or documentation supporting the charge-off status or balance. Reporting a charge off without substantiation violates 15 U.S.C. 1681e ( b ) and 1681i and requires correction or removal. 
XXXX Inquiry dated XX/XX/XXXX is unauthorized and inaccurately reported. 
XXXX Inquiry dated XX/XX/XXXX is unauthorized and must be deleted. 
XXXX Inquiry dated XX/XX/XXXX is unauthorized and duplicative. 
XXXX Inquiry dated XX/XX/XXXX is unauthorized and inaccurately reported. 
XXXX Inquiry dated XX/XX/XXXX is a duplicate unauthorized inquiry and must be removed. 
These inaccurate collections, charge-off reporting, and unauthorized inquiries demonstrate a pattern of noncompliance with federal consumer protection laws. I am requesting that the Consumer Financial Protection Bureau review this matter and require the furnishers and consumer reporting agencies to conduct lawful reinvestigations and to correct or delete any item that can not be fully verified with competent evidence. Continued reporting of inaccurate or unauthorized information violates my rights under the FCRA and FDCPA.

Company response to consumer: Closed with non-monetary relief