Consumer complaint received 2025-07-30 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: GA

Complaint narrative:
To Whom It May Concern I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding several inaccurate and damaging items being reported on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other applicable consumer protection laws I have made multiple attempts to dispute these items directly with the credit reporting agencies but they have failed to properly investigate and correct the information as required by law The following information is being inaccurately reported on my credit file and is causing substantial harm to my credit standing and overall financial well-being I am requesting that the CFPB intervene and assist in having these errors permanently removed or corrected from all major consumer reporting agencies. 
ACCOUNXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge Off * * LAW ISSUE : Per FCRA 611 ( 15 U.S.C. 1681i ), you are required to conduct a reasonable reinvestigation of any disputed information. Additionally, per 602 ( a ), data that is inaccurate or outdated harms consumers ' credit standing and must be deleted if not verifiable DISPUTE STORY : This account was closed with a {$0.00} balance and has been listed as a charge off inaccurately. No verification has been provided by the furnisher, and this second round dispute demands a proper reinvestigation with certified proof or deletion INSTRUCTION : Please reinvestigate this item or delete it from my report if the original creditor can not provide physical documentation bearing my signature and payment records validating this charge off ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$0.00} Charge Off * * LAW ISSUE : FCRA 611 ( a ) ( 1 ) ( A ) entitles consumers to dispute information believed to be inaccurate. 1681s-2 ( b ) requires furnishers to verify or correct disputed data DISPUTE STORY : This entry is a duplicate and appears to be a secondary reporting of the XXXX  account already disputed. It is impacting my score unfairly. No legal validation has been provided INSTRUCTION : Please delete this account as it is a duplicate and unverifiable. If you can not confirm its legitimacy with dated statements or contractual agreement, it must be removed immediately ACCOUNT : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$15000.00} Late Payment * * LAW ISSUE : According to FCRA 604 and 607 ( b ), the data being reported must be current and accurate, and outdated or unverifiable negative payment history must be corrected or removed DISPUTE STORY : I have never received any notification or billing statement regarding this amount, and I dispute the legitimacy of the alleged delinquency. The furnisher has failed to validate my responsibility for this debt INSTRUCTION : I request reinvestigation and demand documentary proof including signed agreements, payment breakdown, and notices if this account is to remain on my file. Otherwise, it must be deleted ACCOUNT : XXXX XXXX XXXXXXXX XXXX Date XXXXXXXX  Balance Owed : {$0.00} Late Payment * * LAW ISSUE : FCRA 609 requires that consumers be provided with all information in their file including sources. Also, FCRA 602 ( a ) prohibits outdated, unverifiable, and inaccurate information DISPUTE STORY : This account reflects a {$0.00} balance and was closed, but still lists late payments with no valid documentation. This second dispute requests strict validation or removal INSTRUCTION : Please delete this item if you can not produce signed documentation, billing statements, or payment records from XXXX XXXX validating the reported late payment INQUIRY : XXXX XXXXXX/XX/XXXX LAW ISSUE : FCRA 604 enforces consumer protection against unauthorized hard pulls. Consumers must initiate or authorize inquiry activity DISPUTE STORY : I did not initiate or authorize this inquiry and never had any dealings with XXXX. This was done without my permission and should not appear on my file INSTRUCTION : Please remove this inquiry unless you can provide signed application forms or electronic confirmation proving my consent I respectfully request that the Consumer Financial Protection Bureau investigate these issues and require the credit bureaus to comply with their legal obligations under the FCRA and FDCPA I want all unverified inaccurate and unauthorized information to be removed from my credit report including the listed addresses accounts and inquiries These entries are severely impacting my ability to obtain housing employment and credit and are the result of negligent reporting and lack of proper investigation Please ensure that a thorough reinvestigation is conducted and that I am provided with full documentation and results in writing pursuant to 15 USC 1681i.

Company response to consumer: Closed with non-monetary relief