Consumer complaint received 2025-12-26 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: TX

Complaint narrative:
I am submitting this formal complaint to report ongoing violations of the Fair Credit Reporting Act 15 U.S.C. 1681 et seq. and the Fair Debt Collection Practices Act 15 U.S.C. 1692 involving inaccurate credit reporting, unverified collection accounts, and unauthorized credit inquiries. I have previously disputed these items directly with the credit reporting agencies and furnishers ; however, the information continues to be reported without proper verification, demonstrating a failure to conduct a reasonable investigation as required under 15 U.S.C. 1681s-2 ( b ). The continued reporting of these items is causing harm by maintaining inaccurate information on my consumer credit file. 
XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$0.00} Charge Off This account is reporting a charge-off status with a XXXX balance, which is inaccurate and misleading. A charged-off account with a XXXX balance requires proper documentation and lawful basis for continued reporting. No such verification has been provided. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$0.00} Charge Off This account reflects a charge-off while showing no balance owed. This reporting is inconsistent and inaccurate. I have not received any competent evidence validating this charge-off under the FCRA. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$630.00} Collection I have no knowledge of this account and no contract or agreement has been provided to establish liability. Continued reporting without validation violates 15 U.S.C. 1692g and 15 U.S.C. 1681. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$750.00} Collection This collection account has not been properly validated. No original creditor documentation or proof of assignment has been furnished, making the reporting inaccurate and unverifiable. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2500.00} Collection This account is being reported without evidence of a lawful obligation or accurate balance. The reporting lacks required verification and must be removed. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$380.00} Collection I dispute the accuracy and ownership of this account. No competent evidence has been provided to support the balance or my responsibility for this debt. 
XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$75.00} Charge Off This account is inaccurately classified and has not been validated. Reporting a charge-off without proper investigation violates the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$860.00} Collection I have no knowledge of this account and no validation has been provided. Reporting without verification violates federal law. 
XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$8600.00} Collection This account is inaccurate, unverified, and reported without lawful proof of obligation. Immediate deletion is required if proper verification can not be produced. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$370.00} Collection I have no knowledge of this account and no competent evidence has been provided to establish liability, ownership, or the accuracy of the balance. Continued reporting without validation violates federal law. 
XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2000.00} Collection This collection account has not been properly validated. No original creditor documentation, contract, or proof of assignment has been provided, making the reporting inaccurate and unverifiable. 
XXXX Inquiry Date : XX/XX/XXXX This inquiry was not authorized by me and no permissible purpose has been demonstrated as required under 15 U.S.C. 1681b. Unauthorized inquiries must be removed. 
XXXX Inquiry Date : XX/XX/XXXX This is an additional unauthorized inquiry by the same entity. Duplicate or repeated inquiries without permissible purpose violate the FCRA and must be deleted. 
XXXX Inquiry Date : XX/XX/XXXX I did not authorize this inquiry and no permissible purpose has been established. This inquiry is inaccurate and must be removed from my credit file. 
Despite my disputes, these entities and the credit reporting agencies have failed to correct or delete information that can not be verified as accurate. Under the Fair Credit Reporting Act, any information that is inaccurate, unverifiable, or reported without permissible purpose must be removed. I am requesting that the CFPB review this matter, require a proper investigation, and ensure the immediate correction or deletion of all inaccurate items listed above. I also request written confirmation of the actions taken to resolve this complaint.

Company response to consumer: Closed with non-monetary relief