Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Dear CFPB, I am filing a formal complaint against Experian, Equifax, or TransUnion regarding their handling of my XXXX XXXX credit dispute. 

I submitted a dispute regarding inaccurate information being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), the bureau is required to conduct a reasonable investigation and either verify, delete, or correct the information within 30 days. 

Instead of providing proof of validation or documentation from the furnisher, the bureau responded that the account was verified but did not supply evidence supporting this conclusion. This constitutes a failure to comply with FCRA 611 ( 15 U.S.C. 1681i ). 

The disputed item ( s ) are : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Reporting inaccurately as Late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Reporting inaccurately as Collection/Chargeoff XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting inaccurately as Collection/Chargeoff XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Reporting inaccurately as Collection/Chargeoff XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Reporting inaccurately as Collection/Chargeoff XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting inaccurately as Collection/Chargeoff XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting inaccurately as Collection/Chargeoff XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting inaccurately as Collection/Chargeoff XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Reporting inaccurately as Collection/Chargeoff XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting inaccurately as Collection/Chargeoff XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting inaccurately as Collection/Chargeoff XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting inaccurately as Late XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Reporting inaccurately as Late XXXX XXXX XXXX XXXX XXXX - Reporting inaccurately as Late XXXX XXXX XXXX XXXX XXXX  - Reporting inaccurately as Late XXXX XXXX XXXX XXXX XXXX  - Reporting inaccurately as Late XXXX  XXXX XXXX XXXX XXXX - Reporting inaccurately as Late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting inaccurately as Late XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Reporting inaccurately as Collection/Chargeoff XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting inaccurately as Collection/Chargeoff XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting inaccurately as Collection/Chargeoff XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting inaccurately as Late COLLECTION XXXXXXXX XXXX XXXX XXXX XXXX Reporting inaccurately as Collection/Chargeoff COLLECTION XXXXXXXX XXXX XXXX XXXX XXXX Reporting inaccurately as Collection/Chargeoff COLLECTION XXXXXXXX XXXX XXXX XXXX XXXX Reporting inaccurately as Collection/Chargeoff COLLECTION XXXXXXXX XXXX XXXX XXXX XXXX Reporting inaccurately as Collection/Chargeoff COLLECTION XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Reporting inaccurately as Collection/Chargeoff COLLECTION XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Reporting inaccurately as Collection/Chargeoff COLLECTION XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Reporting inaccurately as Collection/Chargeoff COLLECTION XXXXXXXX XXXX XXXX XXXX Reporting inaccurately as Collection/Chargeoff

Company response to consumer: Closed with non-monetary relief