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'To the Consumer Financial Protection Bureau, I am submitting this complaint regarding continued inaccurate, unverified, and unauthorized information being reported on my consumer credit reports. I previously disputed these items directly with the credit reporting agencies; however, the inaccuracies remain unresolved, indicating a failure to conduct a reasonable investigation as required under the Fair Credit Reporting Act, including 15 U.S.C. 1681e(b), 1681i, 1681b, and 1681s-2. I have not submitted an FTC identity theft report at this time, but this CFPB complaint is being filed due to repeated noncompliance and ongoing harm caused by inaccurate reporting.\nXXXX XXXX  Date Opened: XXXX  Balance Owed: XXXX  Late Payment  This account is inaccurately reporting late payment history; the reporting does not reflect accurate payment behavior and no complete payment history or proof of late payments has been provided; please correct the late payment history or remove the inaccurate information if it cannot be fully verified.\nXXXX XXXX XXXX  Date Opened: XXXX  Balance Owed: XXXX  Charge Off  I dispute the accuracy and status of this charge-off; the balance, charge-off designation, and reporting timeline are inconsistent and have not been properly validated; please provide full documentation or delete this account.\nXXXX XXXX XXXX Date Opened: XXXX Balance Owed: XXXXXXXX Late Payment  This account shows a zero balance yet reports late payments, which is inaccurate and misleading; reporting a late status without complete verification violates FCRA accuracy standards; please correct or delete the late payment history.\nXXXX XXXX Date Opened: 12/01/2022 Balance Owed: XXXX Late Payment  A zero-balance account should not be reporting late payments without verified documentation; this reporting is inaccurate and must be corrected or removed if unverifiable.\nXXXX XXXX  Date Opened: XXXX Balance Owed: $92 Late Payment  The reported late payment history is inaccurate and has not been supported by any competent evidence; please conduct a lawful reinvestigation and correct the payment history.\nXXXX XXXX XXXX  Date Opened: XXXX Balance OwedXXXX XXXX Charge Off  This account is inaccurately reported as a charge-off with a zero balance and inconsistent status history; if the account was settled or closed, continued charge-off reporting is improper; delete or correct accordingly.\nXXXX XXXX XXXX XXXX Date Opened: XXXX  Balance Owed: XXXX  Charge Off  Reporting a charge-off with a zero balance without clear documentation is inaccurate and misleading; this account lacks proper validation and must be deleted if not fully verified.\nXXXX XXXX XXXX XXXX Date Opened: XXXX Balance Owed: $XXXX Charge Off  I dispute the accuracy of the charge-off status, balance, and reporting history; no complete contract, payment ledger, or charge-off calculation has been provided; delete or correct if verification cannot be produced.\nXXXX XXXX XXXX Date Opened: XXXX Balance Owed: XXXX  Late Payment  This account is reporting inaccurate late payments; the reported history does not match actual account activity and lacks proper substantiation; correction is required under FCRA.\nXXXX XXXX XXXX XXXX Date Opened: XXXX  Balance Owed: XXXX Charge Off  I dispute ownership, balance accuracy, and charge-off reporting; this account has not been properly validated and contains material inaccuracies; delete if verification cannot be completed.\nXXXX XXXX XXXX XXXX Date Opened: XXXX  Balance Owed: XXXX Collection  I have no knowledge of this alleged account; ownership, balance, and collection authority have not been validated; no signed contract, itemized statement, or proof of assignment has been provided; delete if verification cannot be produced.\nXXXX XXXX XXXX XXXX Date Opened: XXXX Balance Owed: XXXX Collection  This collection is disputed due to lack of proper validation; the balance and reporting details are unverified and inaccurate; remove if you cannot fully substantiate this account.\nXXXX XXXX XXXX XXXX Date Opened: XXXX Balance Owed: XXXX  Collection  I do not recognize this account; reporting without verified documentation violates FCRA requirements; delete if lawful proof cannot be provided.\nXXXX XXXX  Date Opened: XXXX Balance Owed: XXXX Collection  I do not recognize this account; no evidence has been provided showing I owe this debt; delete if not fully validated.\XXXX XXXX XXXX Date Opened: XXXX Balance Owed: $4,859 Collection  I dispute ownership, balance accuracy, and collection authority; reporting without proper validation violates the FCRA; delete if verification cannot be completed.\nXXXX XXXX Date Opened: XXXX Balance OwedXXXX XXXX Collection  I have no knowledge of this alleged account; ownership, balance, and collection authority have not been validated; no contract, itemized statement, or proof of assignment has been provided; delete if verification cannot be produced.\XXXX Account XXXX Date Opened: XXXX Balance Owed: XXXX Collection  I have no knowledge of this account; the furnisher is unidentified and the debt is unverified; reporting an unknown collection violates accuracy standards; delete immediately if unverifiable.\nUnknown Account XXXX Date Opened: XXXX Balance Owed: XXXX Collection  I dispute ownership and accuracy; no documentation identifying the original creditor or my obligation has been provided; delete if verification cannot be completed.\nChapter XXXX XXXX Reference# XXXX Closing Date: XXXX Bankruptcy  This bankruptcy entry is inaccurately and/or improperly reported; reporting details, status, or dates are inconsistent and lack proper verification; correct or delete this entry if it cannot be fully verified as accurate.\nXXXX XXXX DateXXXX XXXX Inquiry  Duplicate unauthorized inquiry with no permissible purpose; remove.\XXXX  XXXX  Date: XXXX Inquiry  Repeated duplicate inquiry reported on the same date without authorization; delete.\XXXX  Date: XXXX  Inquiry  I did not provide consent for this inquiry; no permissible purpose has been established; remove.\nXXXX Date: XXXX Inquiry  This inquiry is unauthorized and inaccurately reported; delete if permissible purpose cannot be shown.\nXXXX DateXXXX XXXX  Inquiry  I dispute this inquiry due to lack of authorization; delete if proof of permissible purpose is not provided.\nDespite my prior disputes, the credit reporting agencies and furnishers failed to correct or delete these inaccurate items, demonstrating a lack of reasonable investigation. I respectfully request that the CFPB review this matter and require the credit reporting agencies and furnishers to comply with federal law by deleting or correcting all inaccurate, unverified, and unauthorized information and providing written confirmation of the actions taken.'

Company response to consumer: Closed with non-monetary relief