Consumer complaint received 2025-12-23 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:
To Whom It May Concern, I am submitting this complaint regarding inaccurate, incomplete, and unverifiable information that continues to be reported on my consumer credit report. Despite my good-faith efforts to resolve these matters directly through disputes, the furnishers and consumer reporting agencies have failed to ensure maximum possible accuracy and have not conducted reasonable investigations as required by the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. 
XXXX XXXX XXXX | Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Status : Charge-Off This charge-off is inaccurate and not properly substantiated. The reporting lacks a complete account history, fails to show how the account became delinquent, and does not demonstrate compliance with FCRA accuracy standards. No competent evidence has been provided validating the charge-off status. If this account can not be fully verified with complete documentation, it must be deleted. 
XXXX XXXX XXXX | Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Status : Charge-Off This account is reporting a charge-off that is incomplete and misleading. The tradeline does not reflect accurate payment history or a lawful basis for the charge-off. Reporting unverifiable derogatory information violates the FCRA. I am requesting a full investigation and deletion if verification can not be produced. 
XXXXXXXX XXXX XXXXXXXX | Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Status : Late Payment The late payment notation on this account is inaccurate. My records do not support any late payments being made. Reporting incorrect delinquency history is misleading and materially inaccurate. I am requesting correction of the payment history only to reflect accurate, on-time payments. 
XXXX XXXX XXXXXXXX | Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance Owed : {$3.00} | Status : Late Payment This account is incorrectly reporting late payments. The reported delinquency is not supported by accurate payment records. Furnishing inaccurate payment history violates the requirement for maximum possible accuracy. Please correct the payment history to reflect accurate information only. 
XXXXXXXX XXXX XXXX | Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance Owed : {$10.00} | Status : Late Payment The late payment status being reported is inaccurate and incomplete. The account history does not support delinquency as reported. I am disputing the payment history and requesting correction in compliance with the FCRA. 
XXXX XXXX | Account : XXXXXXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance Owed : {$1300.00} | Status : Late Payment This tradeline reflects late payment information that is inaccurate and misleading. My payment history does not justify the delinquency reported. I am requesting correction of the payment history only after a reasonable investigation. 
XXXXXXXX XXXX XXXX XXXX XXXX | Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance Owed : {$670.00} | Status : Late Payment The late payment reporting on this account is inaccurate and incomplete. The information furnished does not reflect accurate payment behavior. Please investigate this matter and correct the payment history accordingly. 
XXXX XXXX XXXXXXXX | Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance Owed : {$430.00} | Status : Charge-Off This charge-off is disputed as inaccurate and unverifiable. The reporting lacks documentation showing lawful charge-off procedures or complete account history. If this account can not be verified as accurate and complete, it must be deleted. 
XXXX XXXX | Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance Owed : {$540.00} | Status : Charge-Off This charge-off is reporting without proper verification. The tradeline is incomplete and does not meet FCRA accuracy requirements. Please delete this account if it can not be validated through a reasonable investigation. 
XXXX XXXX | Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Status : Late Payment This account is incorrectly reporting late payments. The payment history is inaccurate and misleading. I dispute the delinquency reporting and request correction only. 
XXXX XXXX | Account : XXXXXXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Status : Late Payment The late payment information reported on this account is inaccurate. The tradeline does not reflect a correct payment history. Please correct this account to ensure compliance with the Fair Credit Reporting Act. 
XXXXXXXX XXXX XXXX | Account : XXXXXXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Status : Charge-Off This account is reporting a charge-off without proper verification. The information furnished is incomplete and misleading. Please conduct a reasonable investigation and delete this account if it can not be validated as accurate. 
XXXX XXXX XXXX XXXX | Account : XXXXXXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Status : Late Payment This account is incorrectly reporting late payments. The delinquency information is inaccurate and misleading. Please investigate and correct the payment history accordingly. 
XXXX XXXX XXXX XXXXXXXX | Account : XXXXXXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Status : Late Payment The payment history being reported is inaccurate. I dispute the late payment status and request correction only in compliance with the FCRA. 
XXXX XXXX XXXX XXXXXXXX | Account : XXXXXXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Status : Late Payment This account reflects incorrect late payment information. The tradeline does not accurately represent my payment history. Please correct the reporting after a reasonable investigation. 
XXXX XXXX XXXX | Account : XXXXXXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance Owed : {$230.00} | Status : Charge-Off This charge-off is inaccurate and unsupported by complete account documentation. Please conduct a reasonable investigation and delete this account if it can not be verified as accurate. 
XXXX XXXX | Account : XXXXXXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance Owed : {$510.00} | Status : Collection I dispute this collection account due to lack of proper verification. No documentation has been provided showing a valid debt or legal obligation. Under the FCRA, this account must be deleted if it can not be fully verified. 
XXXX XXXX XXXX | Account : XXXXXXXX XXXX | Opened : XX/XX/XXXX | Balance Owed : {$2500.00} | Status : Collection This collection account is inaccurate and unverifiable. The tradeline lacks proof of obligation and proper validation. Please delete this account if full verification can not be established. 
XXXX XXXX XXXX | Account : XXXXXXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance Owed : {$1400.00} | Status : Collection I dispute this collection account due to lack of proper verification. No documentation has been provided showing a valid obligation, ownership of the debt, or accurate account history. If this account can not be fully verified, it must be deleted. 
XXXX | Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Status : Charge-Off This charge-off is inaccurate and not properly substantiated. The reporting does not demonstrate how the account became delinquent or charged off. If this account can not be verified as accurate and complete, it must be deleted. 
XXXX XXXX | Account : XXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Status : Charge-Off This charge-off is disputed due to incomplete and unverifiable reporting. The tradeline fails to meet FCRA accuracy standards. Deletion is required if proper verification can not be provided. 
XXXX XXXX XXXX  | XXXX : XXXX | Filed/Reported : XX/XX/XXXX | XXXX : Bankruptcy This is a repeated listing of the same bankruptcy event. Please remove all duplicate entries and ensure accurate, single reporting only. 
XXXX XXXXXXXX XXXX | Date : XX/XX/XXXX | Type : Inquiry I do not recall authorizing this inquiry. Please provide evidence of permissible purpose under 15 U.S.C. 1681b or delete this inquiry. 
XXXX XXXX XXXX | Date : XX/XX/XXXX | Type : Inquiry This inquiry was not authorized by me. Inquiries without permissible purpose must be removed. 
XXXX XXXX | Date : XX/XX/XXXX | XXXX : XXXX This inquiry is disputed as unauthorized. Please delete if no permissible purpose can be demonstrated. 
XXXX XXXX XXXXXXXX # XXXX | Date : XX/XX/XXXX | Type : Inquiry I did not authorize this inquiry. Please remove it unless valid authorization is produced. 
XXXX / XXXX XXXX | Date : XX/XX/XXXX | Type : Inquiry This inquiry is disputed due to lack of permissible purpose. Deletion is requested. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX | Date : XX/XX/XXXX | Type : Inquiry This inquiry was not authorized. Please delete in accordance with the FCRA. 
XXXX XXXX  XXXX | Date : XX/XX/XXXX | XXXX : XXXX XXXX inquiry. Please remove. 
XXXX XXXX | Date : XX/XX/XXXX | XXXX : XXXX This inquiry is inaccurate and unauthorized. Deletion is required. 
I am requesting CFPB assistance to ensure compliance with the Fair Credit Reporting Act. These inaccurate items should be corrected or deleted immediately, and written confirmation should be provided. Continued reporting of unverifiable or unauthorized information causes ongoing harm and reflects failure to comply with federal law.

Company response to consumer: Closed with explanation