Consumer complaint received 2025-08-28 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: FL

Complaint narrative:
XXXXI am submitting this formal complaint to the Consumer Financial Protection Bureau regarding multiple inaccuracies on my credit report, including erroneous addresses and incorrectly reported accounts. These errors have caused significant financial hardship, emotional distress, and potential damage to my creditworthiness. Despite repeated attempts to resolve these issues directly with the creditors and credit reporting agencies, these inaccuracies remain uncorrectedXXXXAccounts with Late Payments and Charge-OffsXXXXXXXX XXXX XXXX  Date Opened: XXXX High Credit: XXXX Late PaymentXXXXIssue: This late payment is inaccurately reported under FCRA  611(a)(1)(A) The false reporting negatively impacts my credit score, increases my borrowing costs, and portrays me as financially irresponsible Despite timely payments, this inaccuracy continues to harm my credit profile and affects my ability to obtain favorable credit terms, creating unnecessary stress and financial disadvantageXXXX XXXX XXXX  Date Opened: XXXX High Credit: XXXX  Late Payment\nIssue: The reported late payment is unverifiable under FCRA  1681i The repeated false reporting has caused undue hardship by affecting credit decisions, increasing insurance premiums, and creating delays in financial transactions I have proactively attempted resolution, yet the error persists, reflecting negligence in verifying accurate account history and compliance with federal lawXXXX XXXX  Date Opened: XXXX  High Credit: XXXX Charge OffXXXXIssue: The charge-off is reported without validation under FCRA  611 and FDCPA  809(b) This inaccurate reporting has caused substantial harm including higher interest rates, denial of credit, and reputational damage The error has made me question the reliability of the reporting system and caused undue emotional and financial stressXXXX XXXX XXXX Date Opened: XXXX High CreditXXXX XXXX  Charge OffXXXXIssue: The repeated charge-off is unverified and misleading under FDCPA  809(b) and FCRA  611 This continued inaccurate reporting has caused severe financial consequences including denial of credit, increased interest rates, and significant emotional distress My attempts to resolve the matter with both the creditor and reporting agencies have been ignored or inadequately addressed, highlighting negligence and lack of compliance with federal lawXXXX XXXX Date OpenedXXXX XXXX High Credit: XXXX Charge OfXXXXIssue: This charge-off is inaccurately reported without proper verification under FCRA  611(a)(1) and FDCPA  809(b) The false reporting has severely damaged my credit score and made it difficult to obtain new credit lines or loans The inaccurate entry has caused anxiety, disrupted my financial planning, and created unwarranted skepticism from lenders Despite my timely payments and responsible financial behavior, this account has been misrepresented, portraying me as delinquent and financially irresponsibleXXXX XXXX Date Opened: XXXX High Credit: XXXX Charge OffXXXXIssue: This charge-off is unverified and reported in error under FCRA  1681i(a) Its presence on my report has led to unnecessary denials of credit, increased interest rates, and repeated questioning of my financial integrity The continued false reporting has caused emotional distress and financial uncertainty, making it difficult to plan personal and family expenses and affecting my trust in the credit reporting systemXXXX XXXX  Date Opened: XXXX  High Credit: XXXX Late PaymentXXXXIssue: This late payment is incorrectly reported under FCRA  611 The false late payment has unfairly reduced my creditworthiness and caused increased insurance rates, higher borrowing costs, and anxiety over potential future denials Despite on-time payments, this account continues to be misrepresented, creating unnecessary stress and delaying important financial transactionsXXXX XXXX Date OpenedXXXX XXXX High Credit: XXXX Late PaymentXXXXIssue: The reported late payment is inaccurate and violates FCRA  1681s-2(b) This misinformation has led to misjudgment by creditors and lenders, resulting in denial of credit opportunities and increased financial burden The false reporting has caused repeated frustration, wasted time disputing the error, and unnecessary emotional distressXXXX XXXX Date Opened: XXXX High Credit: XXXX Charge Off*XXXXIssue: This charge-off is unverified and misleading under FCRA  611(a) Its continued reporting has caused severe damage to my credit reputation, denied me access to credit, and increased my financial obligations unnecessarily Despite submitting disputes, this account remains inaccurately reported, highlighting negligence by the reporting agenciesXXXX XXXX XXXX XXXX Date Opened: XXXX High Credit: XXXX Charge OffXXXXIssue: This charge-off is inaccurately reported under FDCPA  809(b) and FCRA  1681i The false reporting has dramatically reduced my access to credit, increased my financial stress, and caused repeated emotional distress The reporting falsely portrays me as financially negligent, despite my responsible payment history, impacting my ability to secure housing and loansXXXX XXXX  Date OpenedXXXX XXXX High Credit: XXXX  Charge OffXXXXIssue: This account shows a charge-off that is unverified and misleading under FCRA  611 This misrepresentation has led to repeated credit denials, higher interest rates, and a damaged credit reputation The ongoing reporting errors have caused significant stress, forced me to repeatedly monitor my credit, and delayed essential financial decisionsXXXX XXXX XXXX Date Opened: XXXX High Credit: XXXX CollectionXXXXIssue: This collection is inaccurately reported without proper verification under FCRA  611 The false listing has negatively affected my credit score, caused denial of loans, and created undue stress The repeated misrepresentation damages my credibility with lenders and limits my ability to obtain essential credit, while requiring ongoing monitoring and repeated disputes to correctXXXX XXXX XXXX XXXX Date Opened: XXXX  High CreditXXXX XXXX Charge OffXXXXIssue: This charge-off is inaccurately reported under FDCPA  809(b) and FCRA  1681i The false reporting has directly caused denial of personal loans, higher borrowing costs, and repeated stress The continued presence of this inaccurate entry forces me to monitor my credit daily and expend time and resources to dispute something I do not owe, creating severe frustration and emotional distressXXXX XXXX  Date OpenedXXXX XXXX  High Credit: XXXX Charge Off\XXXXIssue: This charge-off is unverified and inaccurately reported under FCRA  611 and FDCPA  809(b) It has led to repeated loan denials, increased credit costs, and significant anxiety This misreporting damages my financial credibility and has caused emotional distress, difficulty in planning personal finances, and repeated calls to creditors to clarify my status\XXXX XXXX XXXX XXXX Date OpenedXXXX XXXX High Credit: XXXX Charge OffXXXXIssue: This charge-off is inaccurately reported and violates FCRA  611 Its false reporting has resulted in repeated loan denials, increased interest rates, and mental stress The misrepresentation forces me to spend significant time documenting my accounts, disputing erroneous entries, and dealing with creditor skepticism despite my responsible financial behaviorXXXX XXXX XXXX XXXX Date Opened: XXXX  High Credit: XXXX  Charge Off\nIssue: This charge-off is unverified and inaccurately reported under FCRA  611(a)(1) The false reporting has caused repeated credit denials, financial hardship, and emotional distress It misrepresents my financial responsibility, limits my ability to secure loans or housing, and forces ongoing dispute efforts to protect my creditworthiness\XXXX XXXX XXXX XXXX Date Opened: XXXX High Credit: XXXX  Charge OffXXXXIssue: This duplicate entry is inaccurately reported, violating FCRA  611 and FDCPA  809(b) By reporting the same account twice, it exaggerates my debt burden and misleads creditors This has caused repeated denials of credit, inflated borrowing costs, and continuous stress, forcing me to spend substantial time and effort to correct the record\XXXX XXXX XXXX  Date Opened: XXXX  High Credit: XXXX Charge Off\nIssue: This charge-off is inaccurately reported under FCRA  611(a) and FDCPA  809(b) Its presence has led to credit denials, increased interest rates, and emotional distress The false reporting misrepresents my financial responsibility and has forced repeated dispute filings and monitoring, creating unnecessary financial and psychological burdenXXXX XXXX  Date Opened: XXXX High Credit: XXXX Charge OffXXXXIssue: This charge-off is inaccurately reported and unverified under FCRA  611 The false reporting has harmed my credit score, denied access to loans, and caused repeated emotional distress The ongoing misrepresentation forces continuous monitoring, repeated disputes, and frustration while limiting my ability to access essential financial services\nImpact Statement:\nThese multiple errors, including incorrect addresses, false late payments, and unverified charge-offs, have caused repeated credit denials, increased borrowing costs, undue stress, and damage to my financial reputation The failure to correct these errors demonstrates non-compliance with FCRA  611,  623, and FDCPA  809 The inaccuracies misrepresent my financial responsibility and put me at risk for identity theft, fraudulent activity, and unfair treatment by creditors and financial institutions Despite repeated efforts to rectify these issues, the reporting agencies have failed to act appropriately, causing ongoing harm\nImpact & Request for Action:\nThese inaccuracies have caused financial and emotional hardship, including denial of credit and increased stress. Under FCRA 1681i, I am entitled to have inaccurate, incomplete, or unverifiable information investigated and corrected. I request CFPB to investigate these accounts and incorrect addresses, direct the credit reporting agencies and creditors to remove or correct all disputed information, and ensure my credit report accurately reflects my true credit history.\nFailure to correct these errors constitutes violations of FCRA and FDCPA and may subject the responsible parties to legal remedies, including actual damages, statutory damages, and attorney fees as outlined in 15 U.S.C. 1681n, 1681o, and 1692k.\nI request written confirmation of your receipt of this complaint and prompt action to resolve these inaccuracies.'

Company response to consumer: Closed with explanation