Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Complaint Summary I am filing this complaint to address the inaccurate and unverified information present on my credit reports. Despite previous attempts to resolve these issues through direct disputes with the credit bureaus and furnishers, the inaccuracies remain unresolved. These inaccuracies include duplicate and unverifiable charge-offs, unauthorized inquiries, and incorrect personal information. 

Under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), 1681i, and 1681s-2, credit reporting agencies and furnishers are required to maintain accurate information, conduct proper investigations into disputed items, and correct any inaccuracies promptly. However, my rights under these statutes have been repeatedly violated. 
The continued presence of these errors has significantly impacted my creditworthiness, leading to loan denials, higher interest rates, and undue financial stress. It is imperative that these issues are addressed immediately to prevent further harm. 

Disputed Accounts : XXXX XXXX XXXX  Account # : XXXX ( Experian ) Issue : Duplicate charge-off entries and unverifiable debt Violation ( s ) : FCRA 1681e ( b ) - Inaccurate reporting ; 1681i - Failure to investigate XXXX Account # : XXXX ( TransUnion ) Issue : Duplicate charge-off entries and unverifiable debt Violation ( s ) : FCRA 1681e ( b ) - Inaccurate reporting ; 1681i - Failure to investigate XXXX XXXX XXXX  Account # : XXXX ( Equifax ) Issue : Duplicate charge-off entries and unverifiable debt Violation ( s ) : FCRA 1681e ( b ) - Inaccurate reporting ; 1681i - Failure to investigate XXXX XXXX XXXXXXXX. 
Account # : XXXX ( Experian ) Issue : Duplicate charge-off entries and unverifiable debt Violation ( XXXX ) : FCRA 1681e ( b ) - Inaccurate reporting ; 1681i - Failure to investigate XXXX XXXX Account # : XXXX ( TransUnion  ) Issue : Duplicate charge-off entries and unverifiable debt Violation ( s ) : FCRA 1681e ( b ) - Inaccurate reporting ; 1681i - Failure to investigate XXXX XXXX XXXX Account XXXX XXXX XXXX ( Equifax ) Issue : Duplicate charge-off entries and unverifiable debt Violation ( s ) : FCRA 1681e ( b ) - Inaccurate reporting ; 1681i - Failure to investigate Personal Info Discrepancies Incorrect names : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX Cite : FCRA 1681e ( b ) for inaccurate personal info reporting Legal Basis : The legal basis for this complaint includes the following statutes : FCRA 1681i - Procedures in case of disputed accuracy FCRA 1681s-2 - Responsibilities of furnishers of information FCRA 1681e ( b ) - Accuracy of reports Metro 2 guidelines - Industry standard for data formatting Consumer Harm The errors and inaccuracies on my credit reports have resulted in severe financial harm, including loan denials, higher interest rates, and negative impacts on my job and housing opportunities. The continued presence of these inaccuracies has also caused significant financial stress and potential employment issues. 

Requested Resolution I am requesting the permanent deletion of all unverifiable and inaccurate items from my credit reports. Additionally, I demand a full reinvestigation into these matters with proper documentation provided upon completion. Any illegal or incorrect reporting must be corrected immediately to prevent further harm.

Company response to consumer: Closed with explanation