Consumer complaint received 2025-11-01 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: MA

Complaint narrative:
I am requesting full disclosure of all furnishers and sources that verified or supplied the disputed information. I expect transparency in this process and confirmation that all unverified and inaccurate data have been removed.For the reasons above I am requesting the permanent deletion of all inaccurate addresses, the XXXX  XXXX charge-off with the 1099-C, all unverifiable collection accounts, and the unauthorized XXXX XXXX  inquiry. These items are misleading, unverifiable, and in direct violation of my consumer rights under federal law. 
Please update my credit file accordingly and provide written confirmation of the deletions to my current address listed above. Thank you for your prompt attention to this matter and for ensuring that my report reflects only truthful and verifiable information as required by the FCRA. 

reg I am submitting this complaint to formally dispute several inaccurate and misleading entries appearing on my credit report, which are unfairly affecting my credit profile and standing. Upon careful review, I have found multiple reporting errors that violate my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and must be corrected immediately. 
I have discovered several trade lines that are inaccurately reporting Late Open or Late 90150 Days despite a lack of supporting evidence. For instance, my XXXX XXXX account opened in XX/XX/XXXX and showing a {$0.00} balance has been incorrectly marked as Late Open around XX/XX/XXXX, even though no late payment activity has ever occurred. In addition, my student loan accounts with XXXX have been reported as being late for 90, 120, and 150 days during January through XX/XX/XXXX, which is both inaccurate and unsubstantiated. 
It is important to note that there are no 30-day or 60-day late payment records anywhere on my report for these same accounts. It is inconsistent and unreasonable for a report to suddenly reflect 90- to 150-day delinquencies without any prior 30- or 60-day history. Such inconsistent reporting raises a serious concern regarding accuracy and compliance with FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ), which prohibits furnishers from knowingly reporting false or unverifiable information. 
Under FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), I am exercising my right to dispute these inaccuracies and demand a full reinvestigation. Your bureau has a legal obligation to conduct a reasonable review within 30 days and correct any information that can not be verified as accurate. Additionally, under FCRA 605 ( a ) ( 15 U.S.C. 1681c ( a ) ), outdated or misleading data that can not be substantiated must not remain on file. 
The continuation of these Late Open and Late 90150 Days entries without proper validation is damaging, misleading, and non-compliant with federal reporting standards. Therefore,

Company response to consumer: Closed with explanation