Consumer complaint received 2025-07-16 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: CA

Complaint narrative:
I am submitting this complaint to formally dispute multiple inaccurate and unauthorized items that are currently appearing on my credit report. These include an address that does not belong to me, a late payment on a paid account, a questionable charge-off, and several hard inquiries made without my knowledge or consent. These entries are in violation of my rights under the Fair Credit Reporting Act ( FCRA ), and they are causing measurable harm to my creditworthiness. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to assist in ensuring a full reinvestigation and appropriate resolution of these violations. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1800.00} Chargeoff * * LAW ISSUE : This account violates FCRA 15 USC 1681e ( b ) due to failure to ensure maximum accuracy of the information being reported, and 15 USC 1692g of FDCPA as it is unverifiable and outdated STORY : This XXXX charge-off is being reported with an incorrect balance and lacks supporting documentation from the original creditor I was never provided any written notice verifying this debt nor was I given the opportunity to dispute the claim within the timeframe mandated by law I have no active relationship with XXXX since XXXX and the account details appear to be recycled or reaged which is a violation of FCRA and FDCPA reporting standards I am requesting immediate deletion or verification with complete documentation from the original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2600.00} Chargeoff * * LAW ISSUE : This item violates FCRA 15 USC 1681i for failing to respond to previous disputes with a proper reinvestigation and also violates FCRA 15 USC 1681e ( b ) for reporting inaccurate balance and status STORY : This account is falsely listed as a charge-off with a balance that does not match my payment history I have attempted to resolve this directly with the creditor and no verifiable documentation has been provided to support the charge-off reporting I dispute this account and request that the bureau either delete the entry or provide full documentation supporting its accuracy including payment history and the charge-off rationale Pursuant to my rights under FCRA 611 ( a ), I am requesting that the credit reporting agencies and data furnishers involved provide documented proof of accuracy, validity, and permissible purpose for each item listed in this complaint. If no such verification is provided within the required timeframe, I am requesting immediate removal of the disputed items from my credit report. These entries are materially inaccurate and are being reported in violation of federal law. I respectfully ask the CFPB to take appropriate action to ensure compliance and accountability, and to help restore the integrity of my consumer credit file. Please confirm receipt of this complaint and provide me with the results of any actions taken.

Company response to consumer: Closed with explanation