Consumer complaint received 2025-12-15 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 complaint regarding continued inaccurate, unverifiable, and unauthorized information appearing on my consumer credit reports. I previously disputed these items directly with the consumer reporting agencies and furnishers. Despite my dispute, the errors listed below remain unresolved. My prior dispute did not result in lawful correction or deletion as required by the Fair Credit Reporting Act. 
Under FCRA 611, consumer reporting agencies are required to conduct a reasonable reinvestigation of disputed information. Under FCRA 623, furnishers may not report information that is inaccurate or can not be properly verified. Under FCRA 604, credit inquiries require a valid permissible purpose. Continued reporting without proper verification violates federal law. 
XXXX XXXX XXXX High Balance : {$2600.00} Date Opened : XX/XX/XXXX Status : Charge Off I have no knowledge of this account being charged off. The reporting of a charge-off without my authorization, acknowledgment, or proper validation is inaccurate. Please provide full verification including the original signed agreement, complete payment history, and documentation supporting the charge-off status. If such documentation can not be produced, this account must be deleted or corrected accordingly. 
XXXX XXXX XXXX High Balance : {$1800.00} Date Opened : XX/XX/XXXX Status : Charge Off I dispute this charge-off in its entirety. I do not recognize this account as reported. The balance, status, and charge-off designation are not accurate. If this account can not be fully verified with original creditor records, it must be removed from my credit file. 
XXXX XXXX XXXX High Balance : {$3100.00} Date Opened : XX/XX/XXXX Status : Charge Off This appears to be duplicate and inconsistent reporting. I have no knowledge of multiple charge-offs with similar balances and dates. Please investigate for accuracy and duplication. Unverifiable or duplicate reporting must be corrected or deleted immediately. 
XXXX XXXX XXXX High Balance : {$3400.00} Date Opened : XX/XX/XXXX Status : Charge Off I dispute this charge-off as inaccurate. I do not agree with the status being reported. Please provide full validation including account statements, charge-off calculation, and original contract. If verification can not be completed, this account must be removed. 
XXXX XXXX XXXX High Balance : {$260.00} Date Opened : XX/XX/XXXX Status : Charge Off I have no knowledge of this account being charged off. The reporting lacks proper verification and is inaccurate. Please investigate and delete if validation can not be produced. 
XXXX XXXX XXXX High Balance : {$760.00} Date Opened : XX/XX/XXXX Status : Charge Off This account is reporting conflicting balances and duplicate charge-off information under the same creditor. This is inaccurate and misleading. Please correct or delete as required by law. 
XXXX XXXX High Balance : {$150.00} Date Opened : XX/XX/XXXX Status : Late Payment I dispute the late payment history being reported. I am not requesting deletion of this account. The payment history is inaccurate and must be corrected to reflect accurate reporting under FCRA 623. Please correct the late payment entries only. 
XXXX XXXX XXXX High Balance : {$3300.00} Date Opened : XX/XX/XXXX Status : Charge Off This account appears to be duplicate reporting of the same obligation. Duplicate charge-offs are inaccurate under the FCRA. Please investigate and remove any redundant or unverifiable entry. 
XXXXXXXX XXXX XXXX XXXXXXXX High Balance : {$560.00} Date Opened : XX/XX/XXXX Status : Late Payment I dispute the late payment history on this account. I am requesting correction of inaccurate payment history only. Please update the reporting to reflect accurate information as required by federal law. 
XXXX XXXX XXXX High Balance : {$2200.00} Date Opened : XX/XX/XXXX Status : Late Payment I dispute the late payment history reported on this account. I am not requesting deletion of the account. The payment history being reported is inaccurate and does not reflect my records. Please correct the late payment entries only and I am requesting that the CFPB review this matter and require the consumer reporting agencies and furnishers to comply with the Fair Credit Reporting Act by correcting or deleting all inaccurate, unverifiable, and unauthorized information listed above. I am requesting confirmation that appropriate corrective action has been taken.

Company response to consumer: Closed with non-monetary relief