Consumer complaint received 2025-12-22 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 submitting this complaint to report ongoing violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) related to inaccurate, duplicate, and unauthorized information being reported on my credit file. I previously disputed these items directly, yet the inaccurate reporting continues. The credit reporting agencies and data furnishers have failed to ensure maximum possible accuracy and have not properly reinvestigated the disputed items as required by federal law. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2100.00} Charge Off This account is being reported as charged off without proper documentation supporting the accuracy of the balance and charge-off status. I dispute the accuracy of this reporting and request full verification of the alleged debt, including payment history and the basis for the charge-off. If accurate verification can not be produced, this account must be corrected or removed pursuant to 15 U.S.C. 1681e ( b ) and 1681i. 
XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment This account reflects late payment notations despite a XXXX balance. My records do not support any late payments being made on this account. Reporting late payments without factual support is inaccurate and misleading. I am requesting correction of the payment history to accurately reflect on-time payments only, as required by the FCRA. 
XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge Off This account is showing a charge-off despite a XXXX balance, which is inconsistent and misleading. The reporting lacks accuracy and completeness. I am requesting immediate reinvestigation and correction or deletion if proper verification can not be produced. 
DEPTEDXXXX XXXX  XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2900.00} Late Payment This account contains inaccurate late payment reporting. My records do not support the delinquency being reported. Please investigate and correct the payment history accordingly under the FCRA. 
DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3700.00} Late Payment This is duplicate or inconsistent reporting of the same creditor with conflicting balances and late payment information. Such reporting is inaccurate and confusing. I dispute the validity of this entry and request correction or removal if it can not be properly verified. 
DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5700.00} Late Payment This account continues to report late payments without accurate supporting documentation. Inaccurate payment history must not be reported. Please correct this account to reflect accurate information only or delete it if verification fails. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00} Charge Off This account is reported as charged off without complete and accurate validation of the balance, payment history, and charge-off determination. I dispute the accuracy of this reporting and request full reinvestigation. If the information can not be verified as accurate, it must be corrected or removed in compliance with federal law. 
DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2700.00} Late Payment This account reflects late payment history that is not supported by my records. Reporting delinquency without accurate documentation is misleading. I dispute the late payment reporting and request correction of the payment history to reflect accurate information only. 
DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2600.00} Late Payment This account shows late payments despite inconsistent balance reporting. The payment history being furnished is inaccurate and not properly verified. Please investigate and correct or delete this entry if verification can not be produced. 
DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$4100.00} Late Payment This is duplicate and conflicting reporting for the same creditor and open date with a different balance. Such inconsistent reporting violates accuracy requirements under the FCRA. I dispute this entry and request correction or removal if it can not be fully verified. 
DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2000.00} Late Payment The late payment status reported on this account is inaccurate based on my records. Any payment history furnished must be complete and correct. Please reinvestigate and update this account accordingly or delete it if verification fails. 
DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2800.00} Late Payment This account continues to report delinquency without sufficient factual support. I dispute the accuracy of the late payment reporting and request immediate correction or deletion if proper validation can not be provided. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$51000.00} Charge Off This account is being reported as a charge-off without complete and accurate verification of the balance, payment history, and charge-off status. I dispute the accuracy of this reporting and request full reinvestigation. If the information can not be verified as accurate, it must be corrected or removed pursuant to federal law. 
XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$5400.00} Charge Off This account reflects a charge-off and balance that are not fully supported by accurate documentation. I dispute the accuracy of this reporting and request a complete reinvestigation. Any information that can not be verified must be promptly corrected or removed. 
XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$140.00} Collection This collection account is being reported without proper verification of the alleged debt. I dispute any obligation for this balance and request validation of the account, including original creditor information and complete payment history. If verification can not be produced, this account must be deleted in accordance with 15 U.S.C. 1681i. 
Despite prior disputes, these items remain on my credit report without correction or deletion. This demonstrates a failure to conduct a reasonable reinvestigation and a failure to ensure maximum possible accuracy. I am requesting CFPB assistance to require the credit reporting agencies and furnishers to fully comply with federal law by correcting or deleting all inaccurate, duplicate, and unauthorized accounts and inquiries. 
Requested Resolution : Immediate reinvestigation, deletion of all unverified collection accounts, removal of duplicate reporting, and removal of all unauthorized inquiries that lack a permissible purpose.

Company response to consumer: Closed with non-monetary relief