Consumer complaint received 2025-11-23 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: MD

Complaint narrative:
I am filing this official complaint because the credit bureaus are reporting multiple false, inaccurate, unverifiable, identity-mismatched, and fraudulent items on my credit report in violation of FCRA 1681e ( b ) ( accuracy requirement ), FCRA 1681i ( reinvestigation requirement ), and FCRA 609 / 611 ( right to verification ). These items DO NOT belong to me, and the bureaus have failed to produce any original documentation proving otherwise. I am requesting immediate CFPB intervention. 
XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$100000.00} Late Payment * * This late payment is being disputed because I never made any late payments on this account. This information is falsely reported and does not match my actual payment history. I demand immediate correction, full payment history validation, and removal of any inaccurately reported delinquency. Under FCRA 15 USC 1681e ( b ) you are required to maintain maximum accuracy. If you can not prove a legitimate late payment with timestamped records originating from the furnisher, you MUST correct this immediately. 
XXXX/DOFED XXXX * * Date Opened : XX/XX/XXXX Balance : {$2300.00} Late Payment * * I dispute this late payment because I never missed any payments and no verified documents exist that support this alleged delinquency. This appears to be an internal reporting error. I demand strict verification under FCRA 1681i ( a ) and correction of this false information. 
XXXXDOFED XXXX * * Date Opened : XX/XX/XXXX Balance : {$1300.00} Late Payment * * This account is falsely marked as late. I dispute the entire late payment entry. Provide proof or remove it completely. Any unverifiable data is required to be deleted under FCRA 1681i ( a ) ( 5 ). 
XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off * * I dispute this charge-off because I have no knowledge of ever owing or defaulting on this account. The information is inaccurate, unverifiable, and falsely attributed to me. Delete immediately under FCRA. 
XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$4000.00} Charge Off * * I dispute this account entirely. I have no knowledge of this debt, never authorized it, never received billing statements, and it does not belong to me. This appears to be a mixed file or identity error. Any unverifiable or unproven account must be deleted. 
XXXX XXXX XXXXXXXX * * Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off * * This reporting is invalid. I do not recognize this charge-off. I demand deletion for unverifiable, inaccurate reporting. 
XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$10000.00} Charge Off * * This is not my account and I dispute all information being reported. I demand deletion due to unverifiable and inaccurate reporting. 
XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$19000.00} Charge Off * * I dispute this entire account. No proof, no documentation, and no validation exists tying this account to me. Delete immediately as required by FCRA XXXX. 
XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$2300.00} XXXX XXXX * * This account does not belong to me. I dispute 100 % of the information and demand deletion because the data is inaccurate and unverified. You must provide documentation or delete the entire account from my report. 
XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$1500.00} Charge Off * * This charge-off is disputed because I have no verified record supporting that I ever defaulted on such an account. This appears to be extremely old, inaccurately reported, and lacking documentation. I demand full verification or immediate deletion under FCRA accuracy requirements. 
XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$1800.00} Charge Off * * I dispute this account because I do not recognize any valid debt from XXXX XXXX This entry is completely inaccurate and unverifiable. If XXXX can not prove with original statements, application records, and charge-off validation, you must delete this entry immediately. 
XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX * * I dispute this charge-off due to total lack of knowledge of this account. I never authorized, opened, or received notifications from this account. This appears to be a mixed file error. Delete immediately if documentation can not be produced. 
XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off * * I dispute this because it shows a XXXX balance but a charge-off, which is contradictory and signals inaccurate reporting. I demand strict verification of the legitimacy of this account. If you can not provide complete documentation, delete the entire account. 
XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$3900.00} XXXX XXXX * * I dispute this entire account. I do not recognize any debt with XXXX XXXX  This looks like an unverified, outdated, and improperly reported account. Delete immediately under FCRA for unverifiable reporting. 
XXXX XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$2600.00} Collection * * This is a duplicate of another XXXX account. Duplicate collection accounts violate FCRA accuracy requirements. I demand deletion of this duplicate entry immediately. Reporting the same alleged debt twice is illegal and deceptive. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off * * I dispute this because a zero-balance charge-off is inconsistent and improperly reported. I have no knowledge of a XXXX XXXX account matching this number. If you can not verify this with original contract and payment history, delete it immediately. 
XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00} Charge Off * * I dispute this charge-off. I do not recognize this account and have never been provided any lawful documents connecting me to this alleged debt. This appears to be inaccurate and unverifiable data placed on my report. Remove it immediately under FCRA XXXX. 
XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$4300.00} XXXX * * This is another duplicate entry for the same alleged debt. Duplicate reporting is a violation of FCRA and creates artificially inflated negative history. I demand immediate deletion of this duplicate. 
SUMMARY OF VIOLATIONS Reporting accounts that do NOT belong to me No original creditor documentation provided Failure to validate debts Failure to reinvestigate properly Identity mismatch and fraudulent data Violation of FCRA 1681e ( b ) ( accuracy ), 1681i ( reinvestigation ), 609 / 611 ( verification ) Violation of FDCPA 1692g for the collection entry The bureaus actions are causing severe harm to my credit, reputation, and financial opportunities. I am requesting the CFPB to force the bureaus to : 1. Delete all inaccurate and unverifiable items immediately 2. Provide proof of their reinvestigation process 3. Confirm compliance with federal law 4. Send corrected reports to all third parties who accessed my credit I certify that everything listed above is true and the items do NOT belong to me.

Company response to consumer: Closed with non-monetary relief