Consumer complaint received 2025-12-29 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 submitting this complaint regarding continued reporting of inaccurate, unauthorized, duplicate, and unverifiable information on my consumer credit reports despite multiple prior disputes. These issues remain unresolved and are causing ongoing harm. I have not submitted an FTC identity theft report at this time. The information below reflects violations of the Fair Credit Reporting Act, including but not limited to 15 U.S.C. 1681 ( a ) ( 1 ), 1681 ( b ), 1681e ( b ), 1681s-2 ( b ), and 1681b regarding permissible purpose for inquiries. 
XXXX XXXX High Balance {$280.00} Date Opened XX/XX/XXXX Charge Off I have no knowledge of this account and did not authorize it. The account ownership, charge-off status, and reporting accuracy are disputed. This item is unverifiable and must be deleted if it can not be fully validated as required by FCRA. 
XXXX XXXX XXXX XXXX High Balance {$1000.00} Date Opened XX/XX/XXXX Charge Off I dispute this account in its entirety. I do not recognize this obligation, and no competent evidence has been provided to support the charge-off. Failure to verify requires deletion. 
XXXX XXXX Balance Owed {$0.00} Date Opened XX/XX/XXXX Charge Off A charge-off can not be accurately reported with a XXXX balance under these circumstances. This account information is inconsistent and inaccurate and must be corrected or deleted if unverifiable. 
XXXX XXXX High Balance {$23000.00} Date Opened XX/XX/XXXX Late Payment The late payment status is incorrect. I am disputing the payment history only and requesting correction to accurately reflect my payment record. 
XXXX XXXX XXXX XXXX High Balance {$2300.00} Date Opened XX/XX/XXXX Late Payment This late payment reporting is inaccurate and does not reflect my actual payment behavior. I am requesting correction of the payment history pursuant to FCRA 1681s-2 ( b ). 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX High Balance {$600.00} Date Opened XX/XX/XXXX Charge Off I have no knowledge of this account. The charge-off reporting is inaccurate and unverifiable. Continued reporting without proper validation violates federal law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed {$650.00} Date Opened XX/XX/XXXX Charge Off I have no knowledge of this account and did not authorize it. The account ownership and charge-off status are disputed. This item is unverifiable and must be deleted if it can not be fully validated as required by the FCRA. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed {$900.00} Date Opened XX/XX/XXXX Late Payment The late payment history being reported is inaccurate. I never made late payments as reported. I am requesting correction of the payment history only to reflect accurate information. 
XXXX XXXX XXXX XXXX High Balance {$1700.00} Date Opened XX/XX/XXXX Collection I do not recognize this collection account and dispute any alleged obligation. No validation has been provided despite prior disputes. This item must be deleted if it can not be fully verified under the FCRA. 
XXXX XXXX XXXX XXXX High Balance {$2100.00} Date Opened XX/XX/XXXX Collection I dispute this collection account as not mine. The reporting is inaccurate and lacks proper verification. Deletion is required if validation can not be produced. 
XXXX XXXX XXXX XXXX High Balance {$1500.00} Date Opened XX/XX/XXXX Collection I have no knowledge of this account. The balance and collection status are inaccurate and unverifiable. Continued reporting without validation violates federal law and requires deletion. 
XXXX XXXX XXXX XXXX High Balance {$460.00} Date Opened XX/XX/XXXX Collection I do not recognize this collection account and dispute any alleged obligation. No proper validation has been provided. This item is unverifiable and must be deleted if it can not be fully validated under the FCRA. 
XXXX XXXX XXXX XXXX High Balance {$10000.00} Date Opened XX/XX/XXXX Collection I have no knowledge of this account. The reported balance and collection status are inaccurate and unverifiable. Continued reporting without proper validation violates federal law and requires deletion. 
XXXX XXXX XXXX XXXX High Balance {$440.00} Date Opened XX/XX/XXXX Collection This appears as a duplicate tradeline reporting the same alleged debt. Duplicate and unverifiable reporting violates FCRA accuracy requirements and must be deleted. 
XXXX XXXX Date XX/XX/XXXX XXXX This inquiry is inaccurate and unauthorized and must be deleted. 
XXXX XXXX XXXX Date XX/XX/XXXX Inquiry Unauthorized inquiry reporting. Immediate removal is requested. 
XXXX XXXX Date XX/XX/XXXX Inquiry I did not authorize this inquiry. Deletion is required. 
XXXXXXXX XXXX Date XX/XX/XXXX XXXX This inquiry was not authorized by me and must be removed. 
Despite repeated disputes, the credit reporting agencies and furnishers have failed to conduct reasonable investigations or correct inaccurate reporting. I am requesting that CFPB require the credit bureaus and data furnishers to comply with federal law by deleting unverifiable collection accounts, removing duplicate reporting, correcting inaccurate late payment histories, and deleting unauthorized hard inquiries unless lawful permissible purpose can be proven. 
I respectfully request CFPB assistance to ensure compliance with the Fair Credit Reporting Act and to bring this matter to resolution.

Company response to consumer: Closed with non-monetary relief