Consumer complaint received 2025-11-17 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:
To Whom It May Concern at the CFPB, I am filing an official complaint regarding multiple inaccurate accounts, improper charge-offs, incorrect collections, and unauthorized hard inquiries being reported on my credit reports by various furnishers. These items do not belong to me, were reported improperly, or were added without my consent. I am requesting a full investigation and correction under the Fair Credit Reporting Act ( FCRA ). 
Below are the disputed items : Accounts to Dispute XXXX XXXX Acct : XXXXXXXX XXXX High Balance : {$27000.00} | Date Opened : XX/XX/XXXX I have no knowledge of this account. Please remove it as it is inaccurately reported. 
Dept of Education XXXX XXXX Acct : XXXXXXXX XXXX XXXX High Balance : {$3000.00} | Date Opened : XX/XX/XXXX This late payment is incorrect. I never made any late payments on this account. 
Dept of Education XXXX XXXX Acct : XXXXXXXX XXXX XXXX  High Balance : {$1700.00} | Date Opened : XX/XX/XXXX I dispute the late payment reporting. It is inaccurate and needs correction. 
XXXX XXXX XXXX XXXX Acct : XXXX High Balance : {$39000.00} | Date Opened : XX/XX/XXXX This late payment is wrong. I always paid on time. Please update the history. 
XXXX XXXX XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX  High Balance : {$8500.00} | Date Opened : XX/XX/XXXX The late payment reported is incorrect. Please correct my payment history. 
Dept of Education XXXX XXXX Acct : XXXXXXXX XXXX XXXX  High Balance : {$9500.00} | Date Opened : XX/XX/XXXX I never made any late payments on this account. Please update the record. 
Ally Financial Acct : XXXXXXXX XXXX XXXX XXXX High Balance : {$17000.00} | Date Opened : XX/XX/XXXX I do not recognize this account and have no connection to it. Please delete it. 
XXXX XXXX XXXX Acct : XXXX High Balance : {$1200.00} | Date Opened : XX/XX/XXXX This late payment is incorrect. I never paid late. Please correct it. 
XXXX XXXX Acct : XXXXXXXX XXXX High Balance : {$1000.00} | Date Opened : XX/XX/XXXX I do not recognize this collection account. It is inaccurate and should be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$700.00} | Date Opened : XX/XX/XXXX I do not recognize this account. Please delete it from my credit report. 
XXXX XXXX Acct : XXXXXXXX XXXX High Balance : {$50.00} | Date Opened : XX/XX/XXXX I do not recognize this account. The charge off is inaccurate and should be removed. 
XXXX XXXX XXXX Acct : XXXX XXXX XXXX  High Balance : {$650.00} | Date Opened : XX/XX/XXXX This charge off is incorrect. I have no knowledge of this account. Please delete it. 
Hard Inquiry Disputes ( Unauthorized Inquiries ) XXXX  Inquiry on XX/XX/XXXX I did not approve this inquiry. Please delete it. 
XXXX Inquiry on XX/XX/XXXX This was not authorized by me. Please remove the inquiry. 
XXXX XXXX Inquiry on XX/XX/XXXX I never permitted this inquiry. Please delete it. 
XXXX Inquiry on XX/XX/XXXX Unauthorized and must be removed immediately. 
Request for CFPB Assistance I am requesting the CFPB to : 1. Investigate each of these inaccurate accounts and inquiries.

2. Require the furnishers to provide verifiable proof associated with me.

3. Remove any account or inquiry that can not be validated.

4. Ensure all furnishers comply with FCRA reporting standards.

These inaccurate items are harming my credit profile unfairly, and I am asking for the CFPBs support to resolve this matter. 
Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief