Consumer complaint received 2025-12-18 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 violations of the Fair Credit Reporting Act by credit reporting agencies and data furnishers. I have disputed the inaccurate accounts and unauthorized inquiries listed below multiple times directly with the credit bureaus. Despite my disputes, these items continue to be reported without proper investigation or verification. This demonstrates a failure to comply with federal law requiring accuracy and reasonable investigation. 
I currently have an open CFPB complaint related to inaccurate credit reporting. This complaint is submitted to document ongoing non-compliance and continued reporting of disputed information. I have not submitted an FTC Identity Theft Report at this time. 
ACCOUNT : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  DATE OPENED : XX/XX/XXXX BALANCE : {$900.00} STATUS : Charge Off ISSUE : I have no knowledge of this account. This account does not belong to me. You have failed to provide any competent verification showing that I opened, authorized, or became legally obligated for this account. Reporting this charge-off without verified ownership and documentation is inaccurate and misleading. I request a full investigation and deletion of this account. 
ACCOUNT : XXXX XXXX XXXX XXXX XXXX  DATE OPENED : XX/XX/XXXX BALANCE : {$840.00} STATUS : Charge Off ISSUE : I dispute this account in its entirety. I do not recognize this account and have no contractual relationship with this creditor. No original signed agreement or validation has been provided. Continued reporting without verification violates FCRA accuracy requirements. This account must be investigated and removed. 
ACCOUNT : XXXX XXXX XXXXXXXX XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$1400.00} STATUS : Charge Off ISSUE : I have no knowledge of this account and dispute ownership. This account is being reported without proof of authorization, application, or liability. Reporting a charge-off without verified evidence is improper. Please investigate and delete this account. 
ACCOUNT : XXXXXXXX XXXX XXXX XXXX  DATE OPENED : XX/XX/XXXX BALANCE : {$1300.00} STATUS : Charge Off ISSUE : This account is not mine. I never entered into any agreement with this creditor. No validation has been produced despite prior disputes. This account is inaccurate and must be removed following a proper investigation. 
ACCOUNT : XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00} STATUS : Late Payment ISSUE : The late payment history reported on this account is inaccurate. I did not make any late payments as reported. The payment history does not reflect accurate information. I am not requesting deletion of the account. I am requesting correction of the inaccurate late payment history only, as required by FCRA 1681e ( b ). 
ACCOUNT : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$1500.00} STATUS : Late Payment ISSUE : The late payment notation on this account is incorrect. The reporting does not accurately reflect my payment behavior. This is an accuracy dispute, not a deletion request. Please correct the payment history to reflect accurate, on-time reporting. 
ACCOUNT : XXXXXXXX XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00} STATUS : Charge Off ISSUE : This account is inaccurately reported as a charge-off. I dispute ownership and accuracy. Reporting a zero-balance charge-off without proper documentation is misleading. Please investigate and remove this account. 
ACCOUNT : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$2100.00} STATUS : Collection ISSUE : I have no knowledge of this collection account. I dispute that this debt belongs to me. No original creditor agreement or proof of assignment has been provided. This collection is unverified and must be deleted after investigation. 
ACCOUNT : XXXX XXXXXXXX XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$3000.00} STATUS : Collection ISSUE : I do not recognize this account and dispute ownership. The collection is being reported without proper validation or documentation. Continued reporting violates FCRA investigation requirements. Request deletion. 
ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX  DATE OPENED : XX/XX/XXXX BALANCE : {$610.00} STATUS : Charge Off ISSUE : I dispute this account due to lack of knowledge and authorization. The charge-off is being reported without proper validation. This information is inaccurate and must be deleted following a reasonable investigation. 
ACCOUNT : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  DATE OPENED : XX/XX/XXXX BALANCE : {$940.00} STATUS : Collection ISSUE : I have no knowledge of this debt and do not acknowledge any obligation to this collector. Reporting without documentation proving liability violates the FCRA. Please investigate and remove this account. 
ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX HIGH BALANCE : {$610.00} STATUS : Collection ISSUE : I dispute this collection account due to lack of knowledge and authorization. This account is being reported without proper validation or documentation. Continued reporting violates FCRA investigation requirements. Request deletion. 
I am requesting CFPB assistance to require the credit bureaus and data furnishers to comply with the Fair Credit Reporting Act by conducting lawful investigations and correcting or deleting all inaccurate and unauthorized information listed above. I am also requesting written confirmation of the investigation results and actions taken. 
Thank you for your assistance in addressing these ongoing credit reporting violations.

Company response to consumer: Closed with non-monetary relief