Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint against Equifax because my credit report, dated XX/XX/XXXX, contains multiple inaccurate negative items, including late payments on accounts that I believe are reported incorrectly, unauthorized hard inquiries, and unpaid collections that do not belong to me or are outdated. These errors have resulted in a low FICO Score XXXX of XXXX, which is harming my ability to obtain credit, loans, or favorable interest rates. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus like Equifax are required to ensure the accuracy of reported information ( 15 U.S.C. 1681e ( b ) ), and I believe they have failed to do so.

Specifically, the following items on my Equifax report are inaccurate : 1. Late Payments on Accounts : - XXXX XXXX XXXX  ( Account # XXXX ) : Shows 30-day late in XX/XX/XXXX and 60-day late in XX/XX/XXXX. These lates are incorrect ; I made payments on time, but they may not have been properly recorded. 
- XXXX XXXX XXXXXXXX ( Account # XXXX  ) : Shows 30-day late in XX/XX/XXXX and 60-day late in XX/XX/XXXX. This is inaccurate as the account was paid as agreed. 
- XXXX XXXX XXXX ( Closed Account # XXXX ) : Shows 30-day late in XX/XX/XXXX and 60-day late in XX/XX/XXXX. This old account should not reflect these delinquencies, as they were resolved or never occurred. 
- XXXX XXXX ( Closed Account # XXXX ) : Shows 30-day late in XX/XX/XXXX and 60-day late in XX/XX/XXXX. Inaccurate reporting. 
- XXXX XXXX ( Closed Account # XXXX ) : Shows 30-day late in XX/XX/XXXX and 60-day late in XX/XX/XXXX. This is erroneous. 
- XXXX XXXX ( Closed Account # XXXX ) : Shows multiple lates ( 30-day in XX/XX/XXXX and XX/XX/XXXX, 60-day in XX/XX/XXXX ). These do not match my payment records. 

2. Collections : - XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX, Account # XXXX, Balance {$2300.00} ) : This collection from XX/XX/XXXX is not mine or has been paid/settled but not updated. 
- XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX, Account # XXXX, Balance {$1400.00} ) : Opened XX/XX/XXXX ; this debt is inaccurate or belongs to someone else. 

3. Unauthorized Inquiries : - Multiple hard inquiries without my permission or permissible purpose under FCRA ( 15 U.S.C. 1681b ), including from XXXX XXXX  ( multiple dates in XXXX and XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( multiple in XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), and XXXX XXXX XXXX ( XX/XX/XXXX ). I did not authorize these pulls, and they are lowering my score unnecessarily. 

I have previously disputed these items directly with Equifax ( via letters dated XX/XX/XXXX ), but they have not been removed or corrected. This ongoing inaccuracy is causing financial harm, as my score remains in the " Fair '' range ( XXXX ), with high debt summary ( {$41000.00} total ) partially due to these errors. I request that Equifax investigate, verify the accuracy with the furnishers ( under 15 U.S.C. 1681i ), and delete these negative items immediately. Please forward this to Equifax for a full response.

Company response to consumer: Closed with non-monetary relief