Consumer complaint received 2025-12-26 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: NY

Complaint narrative:
I am submitting this formal dispute regarding multiple inaccuracies, incomplete information, and unauthorized entries on my credit report, as protected under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681x. Upon reviewing my reports, I observed several Late Open accounts reported by XXXX that do not accurately reflect my account history, balances, or payment activity. These accounts include : XXXX XXXXXXXX XXXX XXXX  with a balance of {$3700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$6300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$2000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$3600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$1600.00} ; and XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$940.00}. XXXX XXXX  These accounts are inaccurately reported, and the reported balances or late designations do not match my records. Under FCRA 611 ( a ), I am entitled to a complete reinvestigation of these accounts. I request that each creditor be contacted to verify the accuracy of the information and that any unverifiable, inaccurate, or incomplete entries be corrected or updated to reflect my true account activity. The presence of these inaccurate accounts has caused undue stress, has lowered my credit score, and has affected my ability to obtain financial services, including loans, credit cards, and favorable interest rates. Each account should be reviewed individually, and any errors should be corrected promptly to ensure the accuracy and integrity of my credit report. 
In addition, several Collection accounts are reported inaccurately and create a false impression of my creditworthiness. The accounts include : XXXX XXXXXXXX XXXX XXXX with a balance of {$230.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX with a balance of {$990.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$700.00} ; and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  with a balance of {$1100.00}. XXXX XXXX I dispute the accuracy of these accounts, as they are either incorrectly reported, unverifiable, or inconsistent with my payment history. These accounts violate FCRA 611 ( a ), which requires a reinvestigation upon dispute, as well as FCRA 602 ( a ), which requires reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. I request that each collection account be verified directly with the original creditor or collection agency, and that any unverifiable or inaccurate information be corrected immediately. The incorrect reporting of these collections has caused financial and emotional stress, and it may have contributed to further errors on my credit report. I require each collection to be reviewed individually and for accurate resolution to be documented in writing. 
Finally, my report includes an inquiry that I did not authorize, XXXX XXXX XX/XX/year>, which constitutes an impermissible access of my consumer report under FCRA 604 ( a ) ( 3 ). This inquiry was not initiated or authorized by me and could indicate potential fraud or mixed-file reporting. Unauthorized inquiries like this can negatively affect my creditworthiness and may contribute to further inaccurate reporting. I request that this inquiry be fully investigated, verified, and permanently corrected from my credit file. The combination of inaccurate Late Open accounts, unverifiable collections, and unauthorized inquiries has caused significant concern regarding the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief