Consumer complaint received 2025-07-24 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: OH

Complaint narrative:
To the Consumer Financial Protection Bureau, I am writing to formally lodge a complaint regarding numerous inaccuracies and unauthorized information being reported on my credit file by various entities. I have made multiple attempts to dispute these errors with the credit reporting agencies and the furnishers, yet they have continued to report false, misleading, and unverifiable information that is damaging my credit standing, reputation, and financial stability. Below I am listing the false addresses, unauthorized or incorrect accounts, and inquiries, along with their related violations of federal law, and a detailed account of how these items have harmed me. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX Issue : Wrong Address Law : FCRA 602, 607 ( b ) Explanation : I do not recognize this address as ever being part of my residential history. Its inclusion reflects careless or mixed reporting. This exposes me to potential identity confusion or fraud. 
Action Requested : Please delete this from my credit report without delay. 
XXXX  XXXX XXXX Opened : XX/XX/XXXX | Credit Limit : {$4500.00} Issue : Charge Off Law : FCRA 611, FDCPA 809 ( b ), FCRA 623 Explanation : I was never properly notified about this alleged charge-off. I have not received any validation or documentation. This negative item is damaging my creditworthiness and may not be accurate.

Action Requested : Provide full validation or remove this account under federal law. 
XXXX XXXX XXXX Opened : XX/XX/XXXX | Credit Limit : {$3700.00} Issue : Charge Off Law : FCRA 605 ( a ) ( 4 ), 611 Explanation : This account is more than 7 years old and should no longer be reported if the date of first delinquency exceeds the legal limit. Keeping it is a violation of federal reporting timelines. 
Action Requested : Review date of last delinquency and remove if beyond the allowable timeframe. 
XXXX XXXX Opened : XX/XX/XXXX | Credit Limit : {$6900.00} Issue : Charge Off Law : FDCPA 809, FCRA 611 Explanation : I never received any collection notice or verification from XXXX. I question the validity of this charge-off and request official validation to prove ownership and balance accuracy. 
XXXX Requested : Validate or delete this account. 
XXXX XXXX  XXXX XXXX Opened : XX/XX/XXXX | Credit Limit : {$2200.00} Issue : Charge Off Law : FCRA 611, FDCPA 809 Explanation : I have no knowledge of owing this amount or receiving a final demand. XXXX XXXX  has not provided evidence or statements verifying this claim. Reporting it without proof is unfair. 
Action Requested : Provide signed agreement and billing history or remove this from my file. 
XXXX XXXX XXXX Opened : XX/XX/XXXX | Balance : {$390.00} Issue : Late Payment Law : FCRA 623 ( a ) ( 1 ), 609 Explanation : This late payment was never notified properly, and I was unaware of the reported delinquency. If it can not be proven with billing records, it is to be removed. 
Action Requested : Provide proof of late payment or delete from my credit file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | Balance : {$4300.00} Issue : Late Payment Law : FCRA 623, FDCPA 809 Explanation : This appears to be a duplicate of the CRCORPSOL account listed below. Duplicate reporting for the same balance is misleading and deceptive.

Action Requested : Remove one of the two duplicate reports or validate that they are separate.

I respectfully demand that the Consumer Financial Protection Bureau conduct a thorough investigation into the credit reporting practices of the credit bureaus and furnishers in relation to the above accounts, addresses, and inquiries. The repeated failure of these entities to maintain accurate records, respond to my disputes, or provide proper verification demonstrates a pattern of willful neglect and noncompliance with the FCRA and FDCPA. These actions have caused me severe emotional distress, financial loss, and an ongoing inability to secure fair credit opportunities. 
I request the permanent deletion of all inaccurate and unverifiable data, a complete reinvestigation of each disputed item, and a regulatory review of the furnishers and credit bureaus involved for their failure to comply with federal law. I am also keeping this matter open with the Federal Trade Commission ( FTC ), and I am prepared to seek legal remedy if these violations are not addressed promptly.

Company response to consumer: Closed with non-monetary relief