Consumer complaint received 2025-12-18 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:
b"I am submitting this complaint to report continued inaccurate and unverified credit reporting that remains on my consumer credit file despite prior disputes. The credit reporting agencies and furnishers have failed to correct or remove inaccurate information as required by the Fair Credit Reporting Act (15 U.S.C. 1681). I have not yet submitted an FTC report. These reporting errors are causing ongoing harm to my credit profile.XXXX XXXX XXXX High Balance: $XXXX  Date Opened: XXXX Reported Issue: Late Payment\nThis late payment notation is inaccurate. The reporting does not match my records. You are required to verify the accuracy of each payment entry or correct the history immediately.\XXXX XXXX High Balance: $XXXX Date Opened: XXXX  Reported Issue: Late Payment\nThe late payment status is incorrect and unsubstantiated. This inaccurate reporting is harming my credit profile and must be corrected or deleted if unverifiableXXXX XXXX High Balance: $XXXX Date Opened: XXXX Reported Issue: Late Payment\nThe late payment reporting is inaccurate and misleading. This information does not meet the accuracy standards required by federal law and must be correctedXXXX XXXX XXXX  High Balance: $XXXX  Date Opened: XXXX  Reported Issue: Charge Off\nDuplicate and inconsistent reporting is present. Reporting the same obligation multiple times violates FCRA accuracy requirements. This entry must be corrected or removed.XXXX XXXX XXXX  High Balance: $XXXX Date Opened: XXXX Reported Issue: Charge Off\nThis appears to be a duplicate charge-off entry for the same obligation. Duplicate reporting is inaccurate and must be deleted under FCRA guidelinesXXXX XXXX XXXX  High Balance: $XXXX Date Opened: XXXX Reported Issue: Charge Off\nThe charge-off status and balance are disputed. If you cannot verify this account with competent evidence, it must be removed from my credit file.\XXXX XXXX XXXX  High Balance: $XXXX  Date Opened: XXXX Reported Issue: Late Payment\nThe late payment history being reported is inaccurate. I did not make late payments as stated. This payment history does not reflect my actual account performance and must be corrected or removed if unverifiable under FCRA 1681e(b).\nXXXX XXXX XXXX  High Balance: $XXXX Date Opened: XXXX Reported Issue: Late Payment\nThis late payment reporting is incorrect and unsupported. You are required to verify each reported delinquency or correct the payment history immediatelyXXXX XXXX XXXX High Balance: $XXXX  Date Opened: XXXX Reported Issue: Charge Off\nI dispute this charge-off as reported. I have no confirmation that this account was accurately charged off in the manner stated. If this account cannot be properly validated, it must be deleted.\nDPT EDXXXX XXXX High Balance: $XXXX Date Opened: XXXX Reported Issue: Late Payment\nThe late payment status is inaccurate. This reporting does not reflect correct payment history and must be corrected or removed if unverifiable.\nDPT ED/XXXX XXXX High Balance: $XXXX Date Opened: XXXX Reported Issue: Late Payment\nThis account is reporting inaccurate late payments. Continued reporting of unverified information violates FCRA accuracy standards.\nDPT EDXXXX XXXX  High Balance: $XXXX Date Opened: XXXX Reported Issue: Late Payment\nThis payment history is inaccurate. If you cannot verify this information with competent evidence, it must be removed from my credit file.XXXX XXXX XXXX High Balance: $XXXX Date Opened: XXXX  Reported Issue: Late Payment\nThis account is reporting inaccurate late payment information. The reported payment status does not reflect my actual payment history and must be corrected after investigation.\nXXXX XXXX XXXX High Balance: $XXXX Date Opened: XXXX Reported Issue: Late Payment\nThis late payment reporting is inaccurate and unsupported. Continued reporting of incorrect payment history violates FCRA accuracy requirements and must be correctedXXXX XXXX High Balance: $XXXX   Date Opened: XXXX Reported Issue: Collection\nI have no knowledge of this collection account. This account does not belong to me as reported. I request a full investigation and deletion if this account cannot be properly validated.\nThe continued reporting of inaccurate and unverified information demonstrates non-compliance with the Fair Credit Reporting Act. I am requesting CFPB assistance to ensure a full investigation is conducted and that all inaccurate, unverifiable, or unauthorized information is corrected or removed."

Company response to consumer: Closed with non-monetary relief