Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, I sent multiple dispute letters to XXXX regarding inaccuracies on my credit report. Despite my detailed explanations and requests for proper investigation, these items remain unresolved. Below is a summary of the disputed accounts and actions : XXXX XXXX XXXX Installment with account XXXX XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I previously disputed this account stating : ''This account is incorrectly reporting that I have 37 late payments. On my XXXX report there are 4 late payments being reported. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
and a balance of {$25000.00}. 
I previously disputed this account stating : ''I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX XXXX Line of Credit with account XXXX XXXXXXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I previously disputed this account stating : ''I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX XXXX Revolving with account XXXX XXXXXXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I previously disputed this account stating : ''I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since XXXX XXXX XXXX XXXX Installment with account # XXXX opened on XXXX opened this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX XXXX XXXX XXXX Revolving with account XXXX XXXXXXXX opened on XX/XX/XXXX and a balance of {$1100.00}. 
I previously disputed this account stating : ''This account is incorrectly reporting that I have 12 late payments. On my XXXX report there are 4 late payments being reported. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXXXXXX XXXX Revolving with account XXXX XXXXXXXX opened on XX/XX/XXXX and a balance of {$270.00}. 
I previously disputed this account stating : ''This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX XXXX XXXX Installment with account XXXX XXXXXXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I previously disputed this account stating : ''This account is incorrectly reporting that I have 14 late payments. On my XXXX report there are 2 late payments being reported. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
balance of {$0.00}. 
I previously disputed this account stating : ''I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX XXXX XXXX XXXX  with account XXXX XXXXXXXX opened on XX/XX/XXXX and a balance of {$430.00}. 
I previously disputed this account stating : ''I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX XXXX XXXX  Installment with account XXXX XXXXXXXX opened on XX/XX/XXXX and aXXXX XXXX XXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I previously disputed this account stating : ''I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX XXXX XXXX XXXX with account XXXX XXXXXXXX opened on XX/XX/XXXX and a balance of {$370.00}. 
I previously disputed this account stating : ''I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX account from XXXX XXXX with account XXXX XXXX and a balance of {$500.00}. The original creditor is XXXX XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
XXXX account from XXXX XXXX with account XXXX XXXX and a balance of {$310.00}. 
The original creditor is XXXX XXXXXXXX XXXX XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
XXXX account from XXXX XXXX with account # XXXX and a balance of {$65.00}. 
The original creditor is XXXXXXXX XXXX XXXX XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
Disputed debt ownership, requested proof from the original creditor. In all cases, I have not received sufficient proof of investigation, payment records, or documentation from either Equifax or the creditors to validate these accounts and their negative statuses. This lack of proper investigation violates the Fair Credit Reporting Act. I request that Equifax either remove these inaccuracies or provide comprehensive proof of their investigations and the validity of the disputed information.

Company response to consumer: Closed with non-monetary relief