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: ME

Complaint narrative:
Dear CFPB Representative, I am submitting this formal complaint against several furnishers and credit reporting agencies for continuously reporting inaccurate, false, and unauthorized information on my credit report. These errors have caused serious harm to my financial credibility, mental peace, and overall well-being. Despite my attempts to dispute and request verification, the furnishers have failed to comply with their legal duties under the Fair Credit Reporting Act ( FCRA ) specifically under 602A, 604, 609, 611, and 623. 
Below is a detailed list of accounts and inquiries that have been wrongfully reported : I have discovered multiple wrong addresses being reported under my personal information that are completely unrelated to me. I have never lived, rented, or had any form of financial association with the following addresses : XXXX XXXX XXXX XXXX, NC XXXX Wrong Address These addresses are being falsely associated with my profile and are contributing to the presence of multiple unauthorized accounts and inaccurate data. This is a direct violation of FCRA 605B and 607 ( b ), which requires consumer reporting agencies to maintain the accuracy and fairness of the data being reported. 
Furthermore, I have also identified the following accounts being inaccurately and unjustly reported on my credit profile : XXXX XXXX XXXX XXXX Charge Off High Balance : {$10000.00} | Date Opened : XX/XX/XXXX I have no knowledge of this account, nor did I ever have any contractual or financial agreement with this entity. This account is being wrongfully reported as a charge-off, which has caused significant harm to my creditworthiness. This reporting violates FCRA 623 ( a ) ( 1 ) ( A ), as the furnisher is knowingly reporting false information without verification. 
XXXX XXXX XXXX Late Payment * High Balance : {$89000.00} | Date Opened : XX/XX/XXXX This account reflects multiple late payments that are completely inaccurate. I have always made timely payments and can provide supporting evidence of my payment history. Under FCRA 611 ( a ) ( 1 ) ( A ), I have the right to dispute this information, and the furnisher has a duty to conduct a full and fair investigation, which has not been done. 
XXXX XXXX Late Payment High Balance : {$340.00} | Date Opened : XX/XX/XXXX This account has been incorrectly marked as late, despite the fact that no late payments were made. This is a recurring pattern of negligence by the furnisher and credit bureaus in failing to verify the validity of the data being reported. 
XXXX XXXX Late Payment High Balance : {$2100.00} | Date Opened : XX/XX/XXXX I strongly dispute the accuracy of the late payment status. The payment records clearly show timely payments, and the reporting of this false data has caused emotional distress and credit denials. 
XXXX XXXX Late Payment High Balance : {$300.00} | Date Opened : XX/XX/XXXX This account has been reported as late even though it was paid responsibly. The furnisher and credit bureau have failed to provide any proper validation or documentation supporting this claim, violating my rights under FCRA 609 ( a ) ( 1 ) and 611 ( a ) ( 5 ) ( A ). 
XXXX XXXX XXXX XXXX Late Payment High Balance : {$1200.00} | Date Opened : XX/XX/XXXX This account is showing multiple late payments that are completely inaccurate. I have always maintained timely payments, and I have no record of any delinquency with this creditor. Reporting false payment data without proper validation is a direct violation of FCRA 623 ( a ) ( 1 ) ( A ). I am demanding a full investigation and correction of this false late payment status immediately. 
XXXX XXXX Late Payment High Balance : {$850.00} | Date Opened : XX/XX/XXXX This furnisher has reported late payments that never occurred. I have consistently fulfilled my financial obligations, and there is no factual evidence supporting any delinquency. The failure to verify or accurately report this account information violates FCRA 607 ( b ), which mandates maximum possible accuracy. 
XXXX XXXXXXXX XXXX XXXX Charge Off High Balance : {$600.00} | Date Opened : XX/XX/XXXX I have no knowledge of this account or any agreement with this entity. The reporting of this as a charge off is false and has had a negative impact on my credit score and credibility. Under FCRA 611 ( a ) ( 1 ) ( A ), the furnisher and credit bureau are required to conduct a reasonable reinvestigation and remove unverifiable data. 
XXXX XXXX XXXX Late Payment High Balance : {$13000.00} | Date Opened : XX/XX/XXXX This account was never paid late, and yet it has been falsely reported as delinquent. This false reporting has led to emotional distress, financial strain, and denial of credit applications. Furnishers are required under FCRA 623 ( a ) ( 2 ) to ensure the accuracy and integrity of all data submitted to consumer reporting agencies. 
XXXX XXXX Charge Off High Balance : {$130.00} | Date Opened : XX/XX/XXXX I have no recollection or record of ever having an account with XXXX under this number. This is a false and unverified entry, and the continued reporting of this data is a violation of FCRA 609 ( a ) ( 1 ), which grants consumers the right to request all documentation proving ownership and validity of an account. Since no such proof has been provided, this account must be deleted immediately. 
XXXX XXXX Late Payment High Balance : {$2500.00} | Date Opened : XX/XX/XXXX This account is reporting late payments that are entirely false. I have made all payments on time and have never been delinquent. This violates FCRA 623 ( a ) ( 1 ) ( A ), as the furnisher is reporting inaccurate data without properly verifying the account history. I am demanding full documentation proving each claimed late payment, or this account must be corrected to paid as agreed immediately. 
XXXX XXXX XXXX XXXXXXXX * Charge Off High Balance : {$32000.00} | Date Opened : XX/XX/XXXX This account has been reported as a charge-off, which is false and highly damaging. I have no knowledge of any default or delinquency, and I dispute this claim entirely. The furnisher has not provided any valid proof of default, and the credit bureau has failed to conduct a proper reinvestigation under FCRA 611 ( a ) ( 1 ) ( A ). I demand that this account be deleted from my credit report immediately for failure to verify its legitimacy. 
XXXX XXXX Late Payment High Balance : {$2300.00} | Date Opened : XX/XX/XXXX This account has false late payment entries that are inconsistent with my payment history. I have never missed a payment, and this inaccurate reporting violates FCRA 607 ( b ), which requires credit bureaus to ensure maximum possible accuracy of all consumer information. I am requesting correction of this entry to reflect accurate and positive payment history. 
XXXX XXXX XXXX * Collection High Balance : {$120.00} | Date Opened : XX/XX/XXXX I have never had any dealings or financial agreements with this company. The account was added without my knowledge or consent. Reporting an unverifiable debt is illegal under both the FCRA and FDCPA. This collection must be immediately removed from my credit file as it was reported without validation. 
These false entries, inaccurate payment histories, and unauthorized inquiries have caused me severe financial hardship. I have faced multiple credit denials, increased interest rates, and emotional distress due to the negligence and misconduct of these furnishers. Under FCRA 616 and 617, I am entitled to relief for damages resulting from willful or negligent noncompliance. 
I request the following actions from the CFPB : XXXX. Conduct a full investigation into these accounts and inquiries. 
XXXX. Require the furnishers and bureaus to provide verified documentation supporting their claims. 
XXXX. Delete all unverifiable, inaccurate, and unauthorized entries from my credit report. 
XXXX. Provide a written confirmation of all corrective actions taken. 
If these items are not resolved and corrected within the XXXX legal period, I will be forced to pursue further legal remedies under federal law. 
Thank you for your attention and support in addressing these serious FCRA violations. I trust the CFPB will ensure the protection of my consumer rights and hold these entities accountable for their noncompliance.

Company response to consumer: Closed with non-monetary relief