Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I am writing to formally dispute multiple inaccuracies on my credit reports under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and request a full investigation and correction of the items listed below. First, I am disputing late-open accounts that are inaccurately reported across all three credit bureaus. Specifically, XXXX XXXX XXXX XXXX ( Balance {$0.00}, Date Opened XX/XX/XXXX, Date Last Active XX/XX/XXXXXXXX  ) XXXX XXXX is shown as late open despite my records showing that payments were made on time and the account was in good standing throughout its activity. This inaccurate reporting misrepresents my payment behavior and unfairly impacts my creditworthiness. Under FCRA 1681e ( b ), all information reported must be complete and accurate, and I request that this account be corrected to reflect the accurate payment history and status to ensure proper representation of my financial responsibility. 
Second, I dispute several late-closed accounts, charge-offs, and collections that are incorrectly reported across all three bureaus. The late-closed account XXXX XXXX XXXX XXXX ( XXXX {$0.00} ) XXXX XXXX does not accurately reflect its timely closure. The charge-off accounts XXXXXXXX XXXX XXXX XXXX ( Balance {$0.00} ), XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( Balance {$1400.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Balance {$0.00} ), and XXXX XXXX XXXX XXXX XXXX XXXX ( Balance {$11000.00} ) XXXX XXXX all contain discrepancies in balances, account statuses, or dates last active. Similarly, collection accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX, Balance {$550.00} ), XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  Balance {$1100.00} ), XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX, Balance {$3500.00} ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX, Balance {$440.00} ), and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX, Balance {$780.00} ) XXXX XXXX are reported with inconsistent balances and inaccurate last activity dates. These errors misrepresent my financial history, cause lenders to misjudge my creditworthiness, and violate FCRA 1681i ( a ), which requires bureaus to conduct a reasonable reinvestigation of disputed information. I request that each account be fully verified with the original creditor and corrected, updated if the information can not be verified. 
Finally, I am disputing a hard inquiry not reported on Equifax and TransUnion : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. At no point did I authorize or initiate a credit pull with XXXX XXXX XXXX on this date. FCRA 604 ( a ) ( 3 ) limits permissible purposes for accessing a consumer report, and unauthorized inquiries are a violation of my rights and may negatively impact my credit score. The omission of this inquiry on my reports may also create inconsistencies when lenders cross-check credit activity. I request a full investigation into this inquiry, proper verification with the creditor, and either accurate inclusion or removal if it can not be validated. I also request written confirmation of all corrections and updates resulting from your reinvestigation to ensure my credit file reflects accurate and complete information.

Company response to consumer: Closed with explanation