Consumer complaint received 2025-09-09 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 filing this complaint regarding inaccurate, unverifiable, and misleading information appearing on my credit report. This includes wrong addresses, late payments, charge offs, and collections that violate the Fair Credit Reporting Act ( FCRA ). The credit bureau has failed to comply with 1681e ( b ) Maximum possible accuracy and 1681i Reinvestigation of disputed information. I demand a reinvestigation, correction, and permanent deletion of all items listed below. 
WRONG ADDRESSES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This address is not associated with me. Reporting it violates 1681e ( b ) for maximum accuracy. Story : Misreporting residency can mislead lenders and affect approval decisions. 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00} Charge Off No validation of original signed contract or accounting records has been provided. Law : FCRA 1681i and 1681e ( b ). Story : Reporting a charge off without documentation is misleading and damages my credit history. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$80.00} Late Payment Payment history is inaccurate and unverifiable. Law : 1681e ( b ). Story : Reporting false late payments unfairly harms my creditworthiness. Without proof, this entry must be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment Showing late payments on a XXXX balance account is contradictory. Law : 1681e ( b ). Story : Derogatory reporting on a XXXX balance account is misleading and must be corrected. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off Reported as charge off despite XXXX balance. Law : 1681i. Story : Inaccurate charge offs misrepresent my financial responsibility and must be deleted if unverifiable. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$680.00} XXXX XXXX verification from the original creditor or documentation provided. Law : 1681i and FDCPA. Story : Reporting unverified collections is misleading and unfairly harms my credit profile. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$870.00} Charge Off No complete payment history or contract validation has been provided. Law : 1681e ( b ). Story : Unverified charge offs must be deleted to maintain accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off Reporting XXXX balance accounts as charge offs is inaccurate. Law : 1681e ( b ). Story : Misleading reporting on a XXXX balance account negatively impacts my creditworthiness. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$730.00} Collection Account is unverified. Law : 1681i and FDCPA. Story : Debt collectors must provide proper documentation. Without validation, this account must be deleted. 

XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$750.00} Collection Unverifiable. Law : 1681e ( b ). Story : Reporting unverifiable collections harms credit unfairly. 

XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$210.00} Collection No validation. Law : 1681e ( b ). Story : Unverified collection must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off XXXX balance can not be charged off. Law : 1681e ( b ). Story : Misreporting is misleading and must be corrected. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$880.00} Late Payment No proof of late payments. Law : 1681e ( b ). Story : Reporting unverifiable late payments is damaging. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$65.00} Charge Off No supporting documentation. Law : 1681i. Story : Unverified charge offs must be deleted. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$140.00} Charge Off Unverified. Law : 1681e ( b ). Story : Must be removed if not fully verified. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$310.00} Collection Duplicate entry. Law : 1681e ( b ). Story : Duplicate reporting inflates debt unfairly. 

CONCLUSION The above accounts and addresses are inaccurate, unverifiable, and in some cases duplicated. Under FCRA 1681e ( b ) and 1681i, I demand a full reinvestigation. If these items can not be fully verified with original source documentation, they must be permanently deleted from my file. I request CFPB intervention if the credit bureau fails to comply.

Company response to consumer: Closed with non-monetary relief