Consumer complaint received 2025-08-01 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: MI

Complaint narrative:
To CFPB, I am filing this formal complaint due to multiple incorrect and damaging entries on my credit report, including inaccurate addresses, charge-offs, and late payments that are severely affecting my creditworthiness and violating my consumer rights under federal law. I am requesting that these items be fully investigated, and all unverifiable or inaccurate data be permanently removed from my credit file. Below are the details of the disputes : ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Status : XXXX XXXX XXXX Issue : This account is incorrectly listed as a charge-off Law : FCRA 1681s-2, FDCPA 807 ( 8 ), 1692e prohibits inaccurate and deceptive representations Story : I had made arrangements with XXXX XXXX and believed this account was being handled. I was never formally notified of the charge-off. Now I see this negative remark with a {$0.00} balance, which misleads lenders into thinking I defaulted with no resolution. Additionally, this may be duplicating in other parts of my credit file. I demand proof of original charge-off documents or immediate deletion. 
ACCOUNT : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Status : XXXX XXXX XXXX  Issue : This charge-off was settled but still reporting inaccurately Law : FCRA 1681i, 1681s-2, and FDCPA 807 require accurate account resolution reporting Story : I paid this account through a negotiated settlement, yet its still reported as a full charge-off. Thats false and damaging. This is misleading and harmful to my score and reputation. There is no remaining balance due. You are violating the law by reporting this as if it's unpaid. This must be corrected or deleted immediately. 
ACCOUNT : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$11000.00} Status : XXXX XXXX XXXX  Issue : No proper notice or proof of debt provided Law : FDCPA 809 ( a ), FCRA 623, and Truth in Lending Act require notification before adverse actions Story : I never received any notice of default or charge-off from this lender. I believe this debt contains inflated interest and penalty charges that are not legal. I requested validation and have not received any supporting documentation. This is a violation of my rights under FDCPA and FCRA. Reporting this without proof of accuracy is illegal and damaging. I request immediate deletion due to noncompliance. 
This continued inaccurate reporting has caused emotional distress, loan rejections, and job opportunity denials. I am invoking my rights under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), and I request the CFPB to conduct a full investigation and ensure these violations are corrected immediately. If the information can not be verified with legally compliant documentation, it must be permanently deleted from my credit report. 
I demand a written resolution and confirmation of actions taken in response to this complaint.

Company response to consumer: Closed with explanation