Consumer complaint received 2025-12-04 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 Whom It May Concern, I am submitting this formal complaint regarding multiple inaccurate, misleading, and improperly reported accounts appearing on my consumer credit reports. These errors are harming my creditworthiness, causing emotional distress, and violating my rights under the FCRA. I am requesting a full investigation and immediate correction of all inaccurate information listed below. 
XXXX XXXX Acct : XXXX XXXX XXXX  High Balance : {$720.00} | Date Opened : XX/XX/XXXX | Late Payment * * This late payment is incorrect. I never received any valid notice of delinquency, and the reporting does not match my payment history. 
XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$0.00} | Date Opened : XX/XX/XXXX | Late Payment * * This is inaccurately reported. I have no record of missing payments and no supporting documents were ever provided. 
XXXX Acct : XXXXXXXX XXXX XXXX High Balance : {$450.00} | Date Opened : XX/XX/XXXX | Late Payment * * The late payment status is false. This creditor failed to validate any delinquency despite multiple requests. 
XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$2100.00} | Date Opened : XX/XX/XXXX | Charge Off * * I dispute this account entirely. I was never properly notified, and the balance and dates appear inaccurate. 
XXXX Acct : XXXX XXXX High Balance : {$570.00} | Date Opened : XX/XX/XXXX | Charge Off * * This reporting is incorrect and unverifiable. I do not acknowledge this charge-off as valid. 
XXXX XXXX Acct : XXXXXXXX XXXX XXXX  High Balance : {$820.00} | Date Opened : XX/XX/XXXX | Charge Off * * I dispute this entry. No proof of the alleged default has ever been provided. 
XXXX XXXX Acct : XXXXXXXX XXXX XXXX High Balance : {$900.00} | Date Opened : XX/XX/XXXX | Charge Off * * This account is inaccurately reported and appears to contain wrong balance information. 
XXXX XXXX Acct : XXXX XXXX XXXX High Balance : {$980.00} | Date Opened : XX/XX/XXXX | Charge Off * * The reporting is misleading. I never received proper validation or any lawful notice. 
XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$610.00} | Date Opened : XX/XX/XXXX | Late Payment * * This late payment is not accurate. My records do not show any missed payments. 
XXXX 'S XXXX Acct : XXXXXXXX XXXX High Balance : {$2500.00} | Date Opened : XX/XX/XXXX | Charge Off * * I dispute this account. The information being reported is inconsistent with my records. 
XXXX Acct : XXXXXXXX XXXX XXXX XXXX  High Balance : {$24000.00} | Date Opened : XX/XX/XXXX | Late Payment * * This late payment reporting is incorrect and was never properly validated. 
XXXX Acct : XXXXXXXX XXXX XXXX XXXX High Balance : {$26000.00} | Date Opened : XX/XX/XXXX | Late Payment * * This entry shows errors in dates and payment history. I request a full investigation. 
XXXX 'S XXXX Acct : XXXXXXXX XXXX  High Balance : {$2300.00} | Date Opened : XX/XX/XXXX | Charge Off * * I do not recognize this charge-off. No documentation has been provided to verify it. 
XXXX  Acct : XXXX XXXX High Balance : {$570.00} | Date Opened : XX/XX/XXXX | Collection * * This collection is inaccurate. I never received a validation notice as required by law. 
XXXX XXXX Acct : XXXX XXXX XXXX XXXX XXXX  High Balance : {$1000.00} | Date Opened : XX/XX/XXXX | Collection I dispute this debt. The collector has failed to provide evidence that this account belongs to me. 
XXXX  Acct : XXXXXXXX XXXX High Balance : {$2100.00} | Date Opened : XX/XX/XXXX | Collection * * This item is being reported improperly. The balance, dates, and validity are unverified. 
REQUEST FOR CFPB ACTION I am requesting the CFPB to : Require each furnisher to provide full validation. 
Remove or correct all inaccurate, unverified, or misleading entries. 
Ensure the credit bureaus update my report to reflect accurate information. 
These errors are damaging my credit, preventing approvals, and causing ongoing hardship. 
Thank you for your attention and assistance.

Company response to consumer: Closed with explanation