Consumer complaint received 2025-12-22 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 the Consumer Financial Protection Bureau, I am submitting this complaint to report ongoing violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) related to inaccurate, unauthorized, and unverified items appearing on my consumer credit report. I have previously disputed these items directly, yet they remain unresolved. I have not submitted an FTC complaint at this time.

The following accounts and inquiries are being reported inaccurately and without proper legal basis. 
XXXX XXXXXXXX * * * * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Reported Status : Late Payment Issue : This account is inaccurately reporting late payments. I have never made a late payment on this account. The payment history being reported is incorrect and does not reflect actual account performance. Under 15 U.S.C. 1681e ( b ), furnishers must report accurate information. I am requesting correction of the payment history to reflect no late payments. 
XXXX XXXX XXXX * * * * Date Opened : XX/XX/XXXX Balance Owed : {$20000.00} Reported Status : Chargeoff Issue : This appears to be a duplicate or inaccurately reported account showing the same balance and chargeoff status. Duplicate reporting misrepresents my credit profile and violates 15 U.S.C. 1681c and 1681e ( b ). Immediate investigation and correction or deletion is required. 
XXXX XXXX XXXX * * * Date Opened : XX/XX/XXXX Balance Owed : {$15000.00} Reported Status : Chargeoff Issue : This chargeoff is being reported without complete documentation supporting the balance, default date, and reporting authority. Inaccurate chargeoff reporting violates federal credit reporting laws. If verification can not be provided, this account must be removed. 
XXXX XXXX XXXXXXXX * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Reported Status : Late Payment Issue : This account shows a XXXX balance yet reports late payments. This is inaccurate and misleading. I am requesting correction of the payment history to accurately reflect timely payments. 
XXXX XXXX XXXX XXXX * * * Date Opened : XX/XX/XXXX Balance Owed : {$1500.00} Reported Status : Collection Issue : I have no knowledge of this alleged debt. XXXX XXXX XXXX has failed to provide proper validation as required under 15 U.S.C. 1692g. XXXX activity and reporting must cease until full validation is provided. If validation can not be produced, this account must be deleted. 
XXXX XXXX XXXX XXXX * * * * Date Opened : XX/XX/XXXX Balance Owed : {$3600.00} Reported Status : Collection Issue : This collection account is being reported without lawful validation. Reporting unverified collection accounts violates both the FDCPA and FCRA. I am requesting immediate deletion if proper validation can not be provided. 
XXXX XXXXXXXX * * * Date Opened : XX/XX/XXXX Balance Owed : {$1300.00} Reported Status : Collection Issue : I dispute this collection account in its entirety. I have no record or knowledge of this debt, and no validation has been provided. Continued reporting without validation is unlawful under 15 U.S.C. 1692 and 1681. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$850.00} Reported Status : Collection Issue : I have no knowledge of this alleged debt. No lawful validation has been provided showing the origin, authority, or accuracy of this account. Continued reporting without validation violates 15 U.S.C. 1692g and 15 U.S.C. 1681e ( b ). If proper validation can not be produced, this account must be deleted. 
XXXX XXXX XXXX XXXX * * * Date Opened : XX/XX/XXXX Balance Owed : {$1000.00} Reported Status : Collection Issue : This collection account is being reported without proper validation. I dispute this debt in its entirety and have no record confirming its legitimacy. Reporting unverified information violates federal law. Deletion is required if validation can not be provided. 
XXXX XXXX XXXX XXXX * * * Date Opened : XX/XX/XXXX Balance Owed : {$1700.00} Reported Status : Collection Issue : I have no knowledge of this alleged account. XXXX XXXX XXXX has failed to provide documentation validating this debt. Continued reporting during a dispute violates FDCPA and FCRA requirements. Immediate deletion is required absent proper validation. 
XXXX XXXX INT XXXX * * * * Date Opened : XX/XX/XXXX Balance Owed : {$4000.00} Reported Status : Collection Issue : This account is inaccurately reported without lawful proof of debt ownership or balance accuracy. I dispute this account in full. Failure to provide verification requires removal under federal credit reporting law. 
XXXX XXXX XXXXXXXX * * Date Opened : XX/XX/XXXX Balance Owed : {$510.00} Reported Status : Collection Issue : This collection account is unverified and disputed. No documentation has been provided showing the debt is accurate or legally owed. Continued reporting is unlawful and requires immediate correction or deletion. 
XXXX Date : XX/XX/XXXX Reported Type : XXXX XXXX : Duplicate and unauthorized inquiry. I did not authorize multiple inquiries on the same date. Duplicate inquiry reporting misrepresents my credit file and must be removed. 
XXXX Date : XX/XX/XXXX Reported Type : XXXX XXXX : I did not authorize this inquiry. No permissible purpose exists under 15 U.S.C. 1681b. This inquiry must be deleted. 
XXXXXXXX XXXX  Date : XX/XX/XXXX Reported Type : Inquiry Issue : This inquiry was not authorized by me. I did not apply for credit on this date. Unauthorized inquiry reporting violates federal law and must be removed. 
XXXX Date : XX/XX/XXXX Reported Type : XXXX XXXX : This appears to be a duplicate or related unauthorized inquiry. Duplicate inquiry reporting is inaccurate and must be removed. 
Despite prior disputes, these items remain on my credit report without proper verification or correction. I am requesting that the CFPB require the involved furnishers and credit reporting agencies to conduct a lawful investigation and remove or correct any item that can not be fully verified or shown to have permissible purpose. 
I respectfully request CFPB assistance to ensure compliance with federal consumer protection laws.

Company response to consumer: Closed with explanation