Consumer complaint received 2025-10-08 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, I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccurate and harmful items being reported on my credit report. These accounts include false charge-offs, incorrect late payments, unauthorized collections, and an inquiry made without my consent. The inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Consumer Data Industry Association ( CDIA ) standards. Each account listed below has caused substantial financial harm, emotional distress, and damage to my credit reputation. 
XXXX XXXX XXXX XXXX High Balance : {$250000.00} Date Opened : XX/XX/XXXX Late Payment This account is being reported with late payment history which is entirely false. I have always made my payments on time, and there is no evidence that supports any delinquency. Under FCRA Section 611 ( A ), I am requesting a full reinvestigation into this account. The inaccurate reporting of late payments has caused severe credit harm, emotional distress, and financial setbacks, as it falsely portrays me as an irresponsible borrower. 

XXXX XXXX XXXX High Balance : {$500.00} Date Opened : XX/XX/XXXX Late Payment This account has been wrongly marked as late. I have never missed or delayed any payment, and there are no notices or records from the creditor indicating any delinquency. Reporting false payment history violates FCRA 623 ( A ) ( 1 ) ( A ), which mandates data furnishers to report accurate information. I am demanding immediate correction and proof of payment history validation. 

XXXX XXXX XXXX XXXX High Balance : {$380.00} Date Opened : XX/XX/XXXX Late Payment The reported late payment for this account is false and misleading. I have never received any billing issue or notice of delay. This false mark has lowered my credit score significantly and interfered with my ability to obtain fair credit. Under FCRA Section 616 and 617, this inaccurate reporting is grounds for damages and legal action if not promptly corrected. 

XXXX XXXX XXXX High Balance : {$550.00} Date Opened : XX/XX/XXXX Charge Off I have no knowledge of this account ever being charged off. I have not received any validation, statement, or confirmation from the creditor. This is a false and harmful entry that must be deleted under FCRA Section 609 ( C ) which allows me to dispute unverifiable information. Additionally, under FDCPA Section 809 ( B ), I am entitled to debt validation which has never been provided. 

XXXX XXXX High Balance : {$480.00} Date Opened : XX/XX/XXXX Late Payment This accounts late payment status is also inaccurate. I have always paid on time, and there is no documentation of any missed or delayed payment. The creditor has failed to maintain accurate reporting, violating FCRA 623 ( B ) ( 1 ) ( A ) which requires prompt correction of errors once a dispute is received. 
XXXX XXXX XXXXXXXX XXXX High Balance : {$1000.00} Date Opened : XX/XX/XXXX Charge Off This appears to be a duplicate of the previous account, which further shows reporting negligence. Duplicate and inaccurate reporting violates FCRA 607 ( B ) and FCRA 611 ( A ). Reporting the same debt multiple times inflates my debt profile, lowers my credit score unfairly, and causes confusion in the consumer credit file. This account must be deleted immediately for inaccurate duplication and unverifiable charge-off status. 

XXXX XXXX XXXX High Balance : {$7900.00} Date Opened : XX/XX/XXXX Charge Off Once again, this is another duplicate account with the same balance and open date as the previous XXXX XXXX  entry. Reporting duplicate accounts is not only misleading but also violates FCRA Section 602A and FCRA 607 ( B ), as it reflects a lack of accuracy and integrity in reporting. I have no knowledge of multiple accounts of this nature, and I demand these false entries be immediately deleted from all credit bureaus. 

XXXX XXXX XXXX High Balance : {$980.00} Date Opened : XX/XX/XXXX Charge Off This account is reported as charged off without any valid notice or verification. I have no recollection or record of such delinquency. Under FDCPA Section 809 ( B ), I have the right to request validation of any alleged debt, and none has been provided. The continued reporting of unverifiable charge-offs violates FCRA Section 611 ( A ) and must be deleted immediately. 

XXXX XXXX XXXX High Balance : {$2600.00} Date Opened : XX/XX/XXXX Late Payment This account reflects late payments that are entirely inaccurate. I have always paid this account on time, and there is no legitimate record of delinquency. This misinformation has unfairly lowered my credit score. Under FCRA 623 ( A ) ( 1 ) ( A ), data furnishers must ensure maximum possible accuracy when reporting information. I am requesting an immediate correction of payment history to show all on-time payments. 

XXXX XXXX XXXX High Balance : {$580.00} Date Opened : XX/XX/XXXX Late Payment This account has been wrongly reported with a late payment status. I have no record of any delay or missed payment with XXXX XXXX XXXX XXXX. Such reporting violates FCRA Section 607 ( B ), which requires the credit bureaus to ensure accuracy. I demand correction of the payment history and removal of any false derogatory marks. 

XXXX XXXX XXXXXXXX XXXX High Balance : {$50000.00} Date Opened : XX/XX/XXXX Late Payment This accounts late payment reporting is false and damaging. I have never received a notice or evidence indicating any missed payments. XXXX XXXX has failed to maintain accurate reporting, violating FCRA Section 623 ( B ) ( 1 ) ( A ). This false reporting has impacted my ability to obtain fair credit terms, and I request immediate reinvestigation and correction. 

XXXX XXXX XXXX XXXX XXXX High Balance : {$1000.00} Date Opened : XX/XX/XXXX Charge Off This account is being falsely reported as a charge-off. I have no record or written notice from XXXX XXXX indicating that this account was ever charged off or in default. Under FCRA Section 623 ( A ) ( 1 ) ( A ), furnishers must ensure that all information reported is accurate and complete. This unverified charge-off is misleading and damaging to my credit reputation. I demand an immediate reinvestigation and deletion if the creditor can not provide verifiable proof of the alleged charge-off. 

XXXX XXXX XXXX High Balance : {$5500.00} Date Opened : XX/XX/XXXX Late Payment This account is falsely reporting late payments. I have always maintained consistent and timely payments on my student loan accounts. The Department of Education or its servicer has failed to ensure the accuracy of my payment history, violating FCRA Section 607 ( B ). I request full verification, including payment records and billing statements, or correction of the record to reflect on-time payment history. 

XXXX XXXX XXXX High Balance : {$7000.00} Date Opened : XX/XX/XXXX Late Payment This account, similar to the previous one, is inaccurately reporting late payments. There is no record of delinquency, nor was I ever notified by the Department of Education about any missed payment. Reporting false late payments on federal accounts is a severe violation of FCRA 623 ( A ) ( 2 ) and FCRA 6XXXX ( A ). I am requesting immediate reinvestigation and correction to reflect accurate and positive payment history. 

XXXX XXXX XXXX High Balance : {$3700.00} Date Opened : XX/XX/XXXX Late Payment This account has been falsely reported with a late payment status. I have maintained timely payments and have not received any delinquency notices from XXXX XXXX XXXX XXXX. Such inaccurate reporting violates FCRA Section 607 ( B ) and FCRA Section 623 ( B ) ( 1 ) ( A ). I am demanding the immediate removal of any false derogatory information and correction to show accurate on-time payment history. 

XXXX XXXX XXXX High Balance : {$6300.00} Date Opened : XX/XX/XXXX Late Payment This account also shows false late payments that I strongly dispute. I have never missed or delayed any payments under this federal student loan account. The servicers failure to maintain accurate records violates FCRA Section 623 ( A ) ( 1 ) and FCRA Section 609, which require data furnishers to provide verified, complete, and accurate information. I am requesting correction of this account to show on-time payments. 

XXXX XXXX XXXX XXXXXXXX High Balance : {$500.00} Date Opened : XX/XX/XXXX Collection This collection account is completely unknown to me. I have never had any transaction, agreement, or debt with this company. No validation letter, billing statement, or notice of collection was ever sent to me. This account violates FCRA 623 ( A ) ( 3 ) and FDCPA 809 ( B ) as it represents unverifiable debt being reported as fact. I am demanding deletion of this account immediately as it appears fraudulent or inaccurately assigned. 

The above inaccuracies have caused significant credit damage, financial difficulty, and emotional stress. I request a full reinvestigation of all disputed accounts and immediate deletion or correction of unverifiable or false information. Written confirmation of the results of this investigation must be provided within 30 days, as mandated by FCRA Section 611 ( A ).

If these errors are not corrected, I will pursue all remedies available under FCRA Sections 616617, including legal action for willful noncompliance and damages.

Company response to consumer: Closed with non-monetary relief