Consumer complaint received 2025-09-26 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 to dispute multiple inaccuracies and unauthorized account notations on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and related federal laws, I have the right to accurate and verifiable reporting. The following items are reported incorrectly, and I demand thorough investigation, correction, or deletion where appropriate. Each inaccuracy has caused, and continues to cause, severe harm to my financial reputation, credibility, and opportunities. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Wrong Address I have no association whatsoever with this address. Reporting this false information is damaging because it may link me to debts, legal notices, or investigations that are entirely unrelated to me. It creates a risk of misidentification, and any lender or creditor reviewing my report could mistakenly hold me responsible for obligations that are not mine. The law, under FCRA Section 609 ( a ) ( XXXX ), mandates that all personal data reported must be accurate and verifiable. I demand immediate removal and full verification that this address will no longer appear on my record. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Wrong Address I have never resided at this address, nor have I had any business or personal dealings connected to it. Misreporting this address harms my credibility, and it could result in fraudulent activity appearing linked to my identity. The FCRA explicitly requires accurate reporting and investigation of disputed items, and I demand that this error be removed immediately. The presence of this incorrect address on my report causes unnecessary anxiety, confusion, and potential financial harm. 
XXXX XXXX XXXXXXXX XXXX Open Date : XX/XX/XXXX | High Balance : {$15000.00} | Chargeoff I have no knowledge of this account, nor did I open or authorize it. Reporting this account as a chargeoff is completely false and may indicate identity theft or a reporting error. Such a significant amount being associated with me has already impacted my creditworthiness, including denial of loans and higher interest rates. Under FCRA Section 623 ( a ) ( 8 ), I have the right to dispute this information, and I demand deletion, verification, and investigation. This erroneous chargeoff undermines my financial reputation and exposes me to further scrutiny from lenders and other institutions. 
XXXX XXXX XXXX | Open Date : XX/XX/XXXX | High Balance : {$3700.00} | Late Payment I have never made late payments on this account. Reporting a late payment history falsely portrays me as financially irresponsible and affects my ability to secure credit at fair terms. Under FCRA Section 611 ( a ), I am entitled to correction of any inaccurate account history. I request that my payment history be immediately corrected to reflect accurate information. Falsely reported late payments have already caused unnecessary stress and financial disadvantages. 
XXXX XXXX XXXX | Open Date : XX/XX/XXXX | High Balance : {$3500.00} | Late Payment The reported late payments on this account are incorrect. I have always met my financial obligations on time, and any claim to the contrary is entirely false. Misreporting late payments can cause significant damage to a persons creditworthiness. I demand that this account be corrected immediately to accurately reflect my true payment history under FCRA Section 611 ( a ). 
XXXX XXXX| Open Date : XX/XX/XXXX | XXXX XXXX : {$900.00} | Chargeoff This account does not belong to me. Reporting it as a chargeoff is misleading and fraudulent. It has already affected my credit profile and my ability to obtain fair financial services. I insist on immediate removal and confirmation that it will no longer appear on my report, as mandated by federal law. 
XXXX XXXX| Open Date : XX/XX/XXXX | XXXX XXXX : {$1200.00} | Chargeoff I have never opened or authorized this account. Its reporting violates my consumer rights and exposes me to potential identity theft. I demand deletion and written verification under FCRA Section 611. The presence of this false account has already caused stress, reputational damage, and financial limitations. 
XXXX XXXX Open Date : XX/XX/XXXX | XXXX XXXX : {$670.00} | Chargeoff I never opened or used this account. Reporting it as a chargeoff is false and harmful. Under FCRA Section 623, I demand deletion, investigation, and verification. The misreporting of such accounts undermines trust in credit reporting and causes undue financial and emotional hardship. 
XXXX XXXX XXXXXXXX XXXX  Open Date : XX/XX/XXXX | High Balance : {$2100.00} | Chargeoff I have no record of this account. Its reporting is inaccurate and damaging. False chargeoffs directly reduce my creditworthiness, misrepresent my financial reliability, and can trigger negative financial consequences. FCRA mandates that unverifiable or false information be removed, and I demand immediate compliance. 
XXXX XXXXXXXX XXXX XXXX Open Date : XX/XX/XXXX | High Balance : {$2400.00} | Late Payment I have never made late payments on this account. Reporting otherwise is misleading, damages my credibility, and violates FCRA Section 611 ( a ). I demand immediate correction to reflect the accurate payment history. 
XXXX XXXX  Open Date : XX/XX/XXXX | XXXX XXXX : {$5400.00} | XXXX I have no knowledge of this account. I did not open, authorize, or use it. Reporting it as a chargeoff is entirely false and constitutes a violation of FCRA Sections 602 and 611. Such a false chargeoff harms my creditworthiness, increases borrowing costs, and may result in denial of loans or other financial services. I demand immediate deletion and verification. 
XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX | High Balance : {$10000.00} | Late Payment I have never made late payments on this account. Reporting it incorrectly portrays me as financially irresponsible and violates FCRA Section 611 ( a ). Such inaccurate reporting can directly impact my ability to secure loans, credit cards, and other financial services. I demand immediate correction to reflect accurate payment history. 
XXXX XXXX XXXXXXXX XXXX  Open Date : XX/XX/XXXX | High Balance : {$21000.00} | Chargeoff I have no knowledge of this account. Its chargeoff status is entirely false, and it may be an identity theft or reporting error. Misreporting this account violates FCRA Sections 602 and 611, and I demand deletion and verification. False reporting at this level negatively impacts my credit profile, creating unnecessary financial and legal risks. 
TEXAS XXXX XXXX XXXX | Open Date : XX/XX/XXXX | High Balance : {$4000.00} | Late Payment I have never made late payments on this account. Reporting false late payments is misleading and harmful under FCRA Section 611 ( a ). I demand immediate correction to accurately reflect my true payment history and ensure that my financial record is not misrepresented. 
XXXXXXXX XXXX XXXX  Open Date : XX/XX/XXXX | High Balance : {$55000.00} | Late Payment I have never made late payments on this account. Reporting false late payments misrepresents my financial responsibility and can severely impact my creditworthiness. Such inaccurate reporting violates FCRA Section 611 ( a ), which requires timely correction of any disputed account history. I demand immediate correction to accurately reflect my true payment history. 
XXXX XXXX XXXX XXXXXXXX XXXX Open Date : XX/XX/XXXX | High Balance : {$1400.00} | Collection I have no knowledge of this account. Reporting it as a collection is inaccurate, misleading, and harmful. Under FCRA Section 623, I demand deletion and verification. Such false collections negatively impact my credit profile, increase borrowing costs, and could result in denial of financial opportunities. 
XXXX XXXX XXXX XXXXXXXX XXXX Open Date : XX/XX/XXXX | High Balance : {$1200.00} | Collection I have no record of this account. Its reporting as a collection is false and harmful. Under FCRA Sections 602 and 611, I demand immediate deletion and verification. Incorrect collections undermine my financial credibility and cause stress and financial disadvantage. 
XXXX XXXX XXXX Open Date : XX/XX/XXXX | High Balance : {$2600.00} | Collection I have never authorized or used this account. Reporting it as a collection is false, potentially fraudulent, and violates FCRA Section 611 ( a ). I request immediate deletion and verification. False reporting at this level misrepresents my financial reliability and harms my creditworthiness. 
XXXX XXXX XXXX  Open Date : XX/XX/XXXX | High Balance : [ Not Reported ] | Collection I have no knowledge of this account. Its reporting as a collection is inaccurate and damaging under federal law. FCRA Sections 602 and 611 require that all unverifiable or false accounts be removed. I demand immediate deletion and written verification. 
XXXX XXXX XXXX XXXXXXXX XXXX  Open Date : XX/XX/XXXX | High Balance : {$8100.00} | Collection I have never opened or authorized this account. Reporting it as a collection is false, misleading, and potentially fraudulent. Under FCRA Section 623, I demand immediate deletion and investigation. Such inaccuracies severely impact my credit profile, increase borrowing costs, and may cause denial of credit or other financial services. 
XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX | High Balance : {$640.00} | Collection I have no knowledge of this account. Its reporting as a collection is false and damaging. Under FCRA Sections 602 and 611, I demand immediate deletion and verification. Misreporting collections like this misrepresents my financial reliability and can cause serious financial and reputational harm. 
XXXX XXXX XXXXXXXX XXXX  Open Date : XX/XX/XXXX | High Balance : {$2800.00} | Collection I have never authorized or used this account. Reporting it as a collection is false, misleading, and violates FCRA Section 611 ( a ). I demand deletion, verification, and a formal investigation. False reporting directly damages my credit profile, reputation, and access to financial opportunities. 
XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX | High Balance : {$990.00} | Late Payment I have never made late payments on this account. Reporting false late payments misrepresents my financial responsibility and impacts my creditworthiness. Under FCRA Section 611 ( a ), I demand immediate correction to accurately reflect my payment history. Misreporting at this level can result in higher interest rates, denial of credit, and reputational damage. 
XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX | High Balance : {$170.00} | Collection I have no knowledge of this account. Reporting it as a collection is false and potentially fraudulent. Under FCRA Section 623, I demand deletion and verification. Incorrect collection reporting damages my credit profile, increases borrowing costs, and can prevent me from obtaining necessary financial services. 
I request the Consumer Financial Protection Bureau to thoroughly investigate each disputed item, ensure that all inaccuracies, collections, chargeoffs, late payments, and unauthorized inquiries are corrected or deleted, and confirm the results in writing. Failure to comply constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and federal consumer protection laws, which may result in legal remedies for damages caused by negligent or fraudulent reporting.

Company response to consumer: Closed with non-monetary relief