Consumer complaint received 2026-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint to Equifax, Experian , and TransUnion regarding multiple inaccuracies, outdated information, and unverifiable items appearing on my credit reports, including but not limited to incorrect personal identifying information and addresses ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), inaccurately reported late-closed accounts, charge-offs, and collections ( including but not limited to accounts reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and others listed in my dispute ), as well as multiple hard inquiries I do not recognize or believe were not properly authorized or are duplicative and excessive across auto, lending, and credit issuers ( including but not limited to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and additional inquiries listed in my dispute timeline from XXXX ), all of which I am formally disputing under the Fair Credit Reporting Act, including 15 U.S.C. 1681i and 1681e ( b ), as these items appear inaccurate, incomplete, outdated, or not properly verified with original furnishers ; I request a full and complete reinvestigation of every disputed address, account status, balance, payment history, charge-off, collection entry, and inquiry listed above, including verification using competent and reliable procedures directly with each original furnisher, and I further request disclosure of the method of verification and the identity and contact information of each furnisher used to verify any item that is not deleted, as required under 15 U.S.C. 1681i ( a ) ( 6 ) ; Resolution requested from Equifax : delete or correct all unverified or inaccurately reported addresses, charge-offs, late-closed accounts, collections, and unauthorized or unverifiable inquiries listed above, and update my file to reflect only fully verified and accurate information. Under the Fair Credit Reporting Act, including 15 U.S.C. 1681i, I understand that is required to conduct a reasonable reinvestigation of any disputed information within my credit file. This reinvestigation must include a review of all relevant information and verification with the original furnishers of the data. I also understand that under 15 U.S.C. 1681e ( b ), is required to follow reasonable procedures to ensure the maximum possible accuracy of all information being reported. Additionally, I am requesting that to provide me with the method of verification used for any disputed item that remains after reinvestigation, including the identity and contact information of the furnisher that verified the information, as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Because of these legal obligations, I am respectfully requesting that to conduct a full and complete reinvestigation of all items listed in this letter, including personal information, negative accounts, and inquiries. If any item can not be fully verified with complete and accurate documentation, I request that it be deleted from my credit file in accordance with federal law. I also request that to provide me with written confirmation of the results of this investigation along with an updated copy of my credit report reflecting all corrections, updates, or deletions made as a result of this dispute.

Company response to consumer: Closed with explanation