Consumer complaint received 2025-12-02 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 filing a formal complaint regarding multiple inaccurate, unverified, and improperly reported accounts on my consumer credit reports. The following accounts are reporting false information, violating the FCRA 602A, 607 ( B ), 609, 611, and 623, and causing significant harm to me. I am requesting an immediate investigation and full deletion or correction based on the nature of each account as listed below. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2100.00} Issue : Late Payment This account is reporting late payments that are inaccurate, unverified, and not supported by any documentation. I never made late payments. This furnisher has failed to provide any permissible proof verifying these alleged delinquencies. This is a violation of FCRA 611 and 623 for reporting false and unverifiable data. I am requesting correction of the payment history. 
XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$9500.00} Issue : Charge Off I have no knowledge of this account. No contract, no signed agreement, and no itemized breakdown has ever been provided. Reporting a debt without validation is a direct violation of FCRA 602A and 609 ( a ) ( 1 ). Since the furnisher can not verify ownership or provide documentation showing this debt belongs to me, I am demanding deletion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Issue : Late Payment Late payment reporting on this account is false and unsupported. I dispute these alleged lates and deny ever being late. Furnisher failed to provide verification. Reporting inaccurate derogatory marks violates FCRA 607 ( B ) and 623 ( a ) ( 1 ) ( A ). I request correction of the account history. 
XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00} Issue : Charge Off I have no knowledge of this account. No validation, no promissory note, no documents proving this debt belongs to me have ever been produced. Reporting without proof violates FCRA 609, 611, and 623. Since the furnisher can not verify ownership or accuracy of this account, deletion is required. 
XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Issue : Charge Off This account is inaccurately reporting as a charge-off. I do not acknowledge this account, and no documentation has ever been provided to validate any alleged balance or derogatory activity. The furnisher is in violation of FCRA 602A and 623 by reporting unverifiable data. I request deletion. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00} Issue : Charge Off * I have no knowledge of this account, and the furnisher has failed to validate or provide any documentation proving this debt belongs to me. Reporting unverifiable information is a violation of FCRA 611 and 623 ( a ) ( 1 ). This account must be deleted. 
XXXX XXXX XXXX XXXX * Date Opened : XX/XX/XXXX Balance Owed : {$1900.00} Issue : Charge Off This is an alleged collection/charge-off with no proof. XXXX is reporting a debt they can not validate, and no original contract or itemization has been produced. This violates FCRA 609 ( a ), 611, and 623 ( a ) ( 1 ) ( A ). I request immediate deletion due to lack of verification. 
I request a full and thorough CFPB investigation into each listed furnisher for failure to comply with the Fair Credit Reporting Act. Please provide written results of the investigation and ensure all inaccurate, unverifiable, or improperly reported information is corrected or deleted.

Company response to consumer: Closed with explanation