Consumer complaint received 2025-10-16 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 a formal complaint regarding multiple inaccurate entries on my credit report, including addresses, charge-offs, and late payments. These false reports are harming my creditworthiness and causing significant financial distress. I request immediate investigation and corrective action under Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
ACCOUNT DISPUTES XXXX XXXX XXXX | Opened XX/XX/XXXX | High Balance {$1400.00} | Charge Off I have no knowledge of this account. The reporting of a charge-off without my consent or verification is inaccurate. FCRA 1681s-2 ( b ) requires furnishers to report only verified information. I demand deletion of this account from my report XXXX XXXX  XXXX | Opened XX/XX/XXXX | High Balance {$0.00} | Charge Off I do not recognize this account. Reporting a charge-off falsely affects my credit score. Per FCRA guidelines, unverified information must be removed XXXX  XXXX XXXX | Opened XX/XX/XXXX | High Balance {$0.00} | Charge Off I have never opened or authorized this account. The charge-off is reported without my knowledge. Under FCRA 1681i, I request immediate removal XXXX  XXXX XXXX | Opened XX/XX/XXXX | High Balance {$0.00} | Charge Off Duplicate account entries with inaccurate charge-off reporting are present. I have no knowledge of this account. Removal is required XXXX XXXXXXXX | Opened XX/XX/XXXX | High Balance {$0.00} | Charge Off I do not recognize this account. Reporting a charge-off without my consent is unlawful. Please remove this entry immediately XXXX XXXX Opened XX/XX/XXXX | High Balance {$0.00} | Charge Off This charge-off account is not mine. Reporting it is a violation of FCRA 1681s-2 ( b ). I request deletion XXXX  XXXX XXXX | Opened XX/XX/XXXX | High Balance {$320.00} | Late Payment I have never been late on this account. The reporting of late payments is false. Under FCRA 1681i, I request correction of payment history DEPT OF EDUCATION/XXXX  XXXX | Opened XX/XX/XXXX | High Balance {$0.00} | Late Payment I have never missed any payments on this account. The reporting of late payments is inaccurate and violates FCRA 1681i. Immediate correction is requested DEPT OF EDUCATIONXXXX XXXX | Opened XX/XX/XXXX | High Balance {$0.00} | Late Payment I have never made a late payment on this account. Reporting a late payment is false and misleading. Under FCRA 1681i, I request correction of the payment history DEPT OF EDUCATIONXXXX XXXX | Opened XX/XX/XXXX | High Balance {$0.00} | Late Payment This account is being inaccurately reported as late. I have maintained timely payments. Misreporting violates my rights under FCRA 1681e ( b ) and affects my credit reputation DEPT OF EDUCATIONXXXX XXXX | Opened XX/XX/XXXX | High Balance {$0.00} | Late Payment I dispute the late payment status. I have never been late on this account. I request that this account be corrected to reflect accurate payment history DEPT OF EDUCATIONXXXX XXXX | Opened XX/XX/XXXX | High Balance {$0.00} | Late Payment The late payment report is inaccurate. Under FCRA 1681s-2 ( b ), furnishers must provide only verified information. Immediate correction is required DEPT OF EDUCATION/XXXX XXXX | Opened XX/XX/XXXX | High Balance {$0.00} | Late Payment I have never missed payments. Reporting late payment is false. I request immediate correction and verification of this account DEPT OF EDUCATIONXXXX XXXX | Opened XX/XX/XXXX | High Balance {$0.00} | Late Payment The reported late payment is not accurate. Misreporting my account history is a violation of FCRA 1681i. I request the status be corrected DEPT OF EDUCATIONXXXX XXXX | Opened XX/XX/XXXX | High Balance {$0.00} | Late Payment I dispute this late payment. I have always maintained timely payments. I demand correction of the account history DEPT OF EDUCATIONXXXX XXXX | Opened XX/XX/XXXX | High Balance {$0.00} | Late Payment The account is being inaccurately reported as late. I have never missed payments. I request correction under FCRA regulations DEPT OF EDUCATIONXXXX XXXX | Opened XX/XX/XXXX | High Balance {$0.00} | Late Payment Duplicate entry of this account shows false late payment. I demand correction and removal of inaccurate reporting DEPT OF EDUCATION/XXXX  XXXX | Opened XX/XX/XXXX | High Balance {$0.00} | Late Payment I have never been late on this account. Reporting a late payment is false and misleading. Under FCRA 1681i, I demand correction of the payment history DEPT OF EDUCATION/XXXX XXXX | Opened XX/XX/XXXX | High Balance {$0.00} | Late Payment This late payment report is inaccurate. I have consistently made on-time payments. Misreporting violates FCRA 1681e ( b ) and impacts my credit profile DEPT OF EDUCATIONXXXX XXXX | Opened XX/XX/XXXX | High Balance {$0.00} | Late Payment The reported late payment is false. I request that this account be corrected to reflect accurate payment history as required under FCRA DEPT OF EDUCATION/XXXX  XXXX | Opened XX/XX/XXXX | High Balance {$0.00} | Late Payment I have never missed payments. Reporting late payment is inaccurate and violates FCRA 1681s-2 ( b ). I request immediate correction DEPT OF EDUCATION/XXXX  XXXX | Opened XX/XX/XXXX | High Balance {$0.00} | Late Payment This account is being inaccurately reported as late. I have maintained timely payments. Correction is required under FCRA guidelines DEPT OF EDUCATIONXXXX XXXX | Opened XX/XX/XXXX | High Balance {$0.00} | Late Payment The late payment entry is incorrect. I have never been late. Under FCRA 1681i, I demand immediate correction of this account DEPT OF EDUCATIONXXXX XXXX | Opened XX/XX/XXXX | High Balance {$0.00} | Late Payment This late payment report is false. I request that the account reflect accurate and verified payment history DEPT OF EDUCATIONXXXX XXXX | Opened XX/XX/XXXX | High Balance {$0.00} | Late Payment I dispute this late payment. I have never missed any payments. Immediate correction is requested under FCRA 1681i XXXX XXXX XXXX XXXXXXXX | Opened XX/XX/XXXX | High Balance {$0.00} | Collection I do not recognize this account. Reporting a collection without my knowledge is inaccurate. Under FCRA 1681s-2 ( b ), furnishers must report only verified information. Immediate deletion is requested XXXX XXXX XXXX  XXXX | Opened XX/XX/XXXX | High Balance {$0.00} | Collection I have no knowledge of this account. The reporting is false and prejudicial. Removal is requested under FCRA 1681i XXXX XXXX XXXX XXXX | Opened XX/XX/XXXX | High Balance {$0.00} | Collection This account is inaccurately reported. I have never authorized or had any dealings with this account. I request immediate deletion XXXX XXXX XXXX XXXX | Opened XX/XX/XXXX | High Balance {$0.00} | Collection I do not recognize this account. Reporting this collection entry without verification violates my rights under FCRA 1681s-2 ( b ) XXXX XXXX  XXXX | Opened XX/XX/XXXX | High Balance {$0.00} | Charge Off I have no knowledge of this account. Reporting a charge-off without verification is inaccurate. Under FCRA 1681s-2 ( b ), furnishers must provide only verified information. Immediate deletion is requested XXXX  XXXX XXXX | Opened XX/XX/XXXX | High Balance {$0.00} | Charge Off I do not recognize this account. Reporting a charge-off falsely affects my credit score. Removal is requested under FCRA 1681i XXXX XXXX XXXX | Opened XX/XX/XXXX | High Balance {$0.00} | Charge Off Duplicate account with inaccurate charge-off reporting. I have no knowledge of this account. Immediate deletion is required XXXX XXXX | Opened XX/XX/XXXX | High Balance {$0.00} | Charge Off This charge-off is not mine. Reporting it is a violation of FCRA 1681s-2 ( b ). I request immediate removal XXXX XXXX XXXX XXXX | Opened XX/XX/XXXX | High Balance {$0.00} | Collection I have no knowledge of this account. Reporting a collection without my consent is inaccurate and unlawful. Immediate removal is requested XXXX XXXX XXXX XXXXXXXX | Opened XX/XX/XXXX | High Balance {$0.00} | Collection I do not recognize this account. Reporting it falsely violates FCRA XXXX. I demand deletion XXXX XXXX XXXX XXXX | Opened XX/XX/XXXX | High Balance {$0.00} | Collection This account is being inaccurately reported. I have never had dealings with this account. Immediate removal is required under FCRA XXXX ( XXXX ) XXXX XXXX XXXX XXXX | Opened XX/XX/XXXX | High Balance {$0.00} | Collection I do not recognize this account. Reporting a collection without my knowledge is inaccurate. Under FCRA 1681s-2 ( b ), furnishers must provide only verified information. Immediate deletion is requested XXXX  XXXX | Opened XX/XX/XXXX | High Balance {$430.00} | Late Payment I have never been late on this account. Reporting late payments falsely affects my credit score. Correction of payment history is required under FCRA 1681i REQUEST I request that all above-referenced accounts and addresses be thoroughly investigated. Any unverified or inaccurate information must be deleted immediately. Reporting unverified charge-offs, late payments, or wrong addresses violates FCRA 1681i and FCRA 1681s-2 ( b ). I demand my credit report reflect accurate and complete information LEGAL BASIS : FCRA 1681e ( b ) Accuracy of reported information FCRA 1681i Dispute process and correction of inaccuracies FCRA 1681s-2 ( b ) Duty of furnishers to report only verified information I expect a written response within the timeframe required by law. Thank you for your immediate attention to this matter

Company response to consumer: Closed with non-monetary relief