Consumer complaint received 2025-11-06 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: MD

Complaint narrative:
I am writing to file a formal complaint against multiple creditors and furnishers reporting inaccurate and unverified information on my credit report. These erroneous entries are damaging my credit profile and are in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Below are the accounts in question : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | High Credit : {$35000.00} | Late Payment reported This late payment reporting is inaccurate. I have never made a late payment, and I request immediate correction of this false reporting. 

XXXX XXXX BANK XXXX XXXX XXXX XXXX : XX/XX/XXXX | High Credit : {$1600.00} | Late Payment reported This information is incorrect. I have never been late on any payments for this account, and I demand it be updated to show a positive, accurate payment history. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX | High Credit : {$2200.00} | Charge Off I have no knowledge of this account and do not recognize it. I am requesting full validation and investigation, and if the account can not be verified with proper documentation, it must be deleted immediately. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$3300.00} | Charge Off I have no knowledge of this account. This entry appears fraudulent or incorrectly reported. Please conduct a proper investigation and remove this unverified account from my credit report. 

XXXX XXXX Date Opened : XX/XX/XXXX | High Credit : {$2800.00} | Charge Off I have no knowledge of this account and have never had any dealings with this creditor. This is an unverified and inaccurate account that must be deleted. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | High Credit : {$8000.00} | Charge Off I have no knowledge of this account and dispute it in full. Unless verified with proper signed documentation, this must be immediately deleted. 

XXXX XXXX Date Opened : XX/XX/XXXX | High Credit : {$2300.00} | Late Payment reported This late payment is false. I have never missed a payment, and I request correction of this inaccurate reporting to reflect a perfect payment record. 

XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Credit Limit : {$7500.00} | Charge Off I have no knowledge of this account. I am requesting validation and deletion of this unverifiable information if documentation can not be produced. 

XXXX XXXX XXXX XXXX XXXX MARYLAND XXXX Date Opened : XX/XX/XXXX | High Credit : {$300.00} | Charge Off I have no knowledge of this account. It appears to be an inaccurate and unverified entry and must be deleted under FCRA guidelines. 

XXXX XXXX Date Opened : XX/XX/XXXX | High Credit : {$4500.00} | Charge Off I have no knowledge of this account. I request immediate deletion as it is not mine and can not be verified. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$890.00} | Collection I have no knowledge of this account or any debt being collected by this company. This must be removed immediately if it can not be validated with supporting documentation. 

All of the above accounts are either unverified, inaccurate, or falsely reported. These violations are causing ongoing harm to my creditworthiness and are in direct breach of my rights under 15 U.S.C. 1681 ( FCRA ) and 15 U.S.C. 1692 ( FDCPA ). 

I am demanding that the CFPB investigate these matters thoroughly and take enforcement action against the furnishers for failing to maintain accurate reporting. I also request that all unverifiable or incorrect entries be corrected or deleted immediately from my credit file. 

Please provide confirmation of your investigation and the results in writing.

Company response to consumer: Closed with non-monetary relief