Consumer complaint received 2025-12-16 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: LA

Complaint narrative:
I am submitting this complaint regarding continued inaccurate credit reporting that has not been corrected after multiple disputes. This is my second formal dispute regarding the accounts listed below. I have not submitted an FTC identity theft report at this time. My CFPB complaint related to unresolved credit reporting inaccuracies remains open. Despite prior disputes, the furnishers and credit reporting agencies have failed to correct or remove inaccurate information, in violation of the Fair Credit Reporting Act 15 USC 1681 and 15 USC 1681s-2. The accounts listed below are reported as charge-offs, however I have no knowledge of these accounts, I did not open them, and I do not recognize responsibility for the alleged debts. The continued reporting of these accounts without proper verification is inaccurate, misleading, and unlawful. Each furnisher is required to conduct a reasonable investigation and report only information that can be fully verified. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX  High Balance {$0.00} Date Opened XX/XX/XXXX Charge Off I have no knowledge of this account and do not recognize this debt. Please provide proof of ownership, original application, and complete payment history or delete this account if it can not be fully verified. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX  High Balance {$1300.00} Date Opened XX/XX/XXXX Charge Off I have no knowledge of this account and do not acknowledge responsibility for this balance. Reporting this account as a charge-off without proper verification is inaccurate. Please investigate and delete or correct accordingly. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX  High Balance {$1300.00} Date Opened XX/XX/XXXX Charge Off I have no knowledge of this account and do not recognize it as mine. Please provide documentation proving liability or remove this account from my credit file. 
XXXX XXXX XXXX XXXX XXXX  High Balance {$1800.00} Date Opened XX/XX/XXXX Charge Off I have no knowledge of this account. Continued reporting without verified evidence violates the FCRA. Please reinvestigate and delete if unverifiable. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  High Balance {$2800.00} Date Opened XX/XX/XXXX Charge Off I do not recognize this account and have no knowledge of any agreement with this creditor. Please verify or delete immediately. 
XXXX XXXXXXXX XXXX XXXX XXXX High Balance {$10000.00} Date Opened XX/XX/XXXX Charge Off I have no knowledge of this account and dispute the accuracy of this reporting. If you can not provide complete verification, this account must be removed. 
XXXXXXXX XXXX XXXX XXXX  High Balance {$8600.00} Date Opened XX/XX/XXXX Charge Off I do not recognize this account and dispute all reported information. Please conduct a lawful reinvestigation and delete if verification can not be provided.

I am requesting that the CFPB review this matter and require the furnishers and credit reporting agencies to comply with federal law by conducting proper reinvestigations and correcting or deleting any information that can not be fully verified. I am requesting resolution of these inaccuracies and written confirmation of corrective action.

Company response to consumer: Closed with non-monetary relief