Consumer complaint received 2025-09-09 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 formal complaint against several furnishers and credit reporting agencies for reporting inaccurate, unverifiable, and damaging information on my credit reports. These actions violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, as well as other consumer protection laws. 

Despite my repeated attempts to dispute and validate the accuracy of these accounts, the creditors and credit bureaus have failed to properly investigate or provide verifiable documentation as required by law. The following accounts remain inaccurately reported : XXXX Acct : XXXXXXXX XXXX XXXX High Balance : {$240.00} | Date Opened : XX/XX/XXXX | Status : Late Payment This account contains reporting errors. Late payments are being reported inaccurately, without proof of contractual agreement or verification. Under FCRA 609 and 611, the furnisher is required to provide documentation that proves these late payments are accurate. To date, no such verification has been provided. 

XXXX Acct : XXXXXXXX XXXX XXXX  High Balance : {$5000.00} | Date Opened : XX/XX/XXXX | Status : Charge Off This account is being reported as a charge-off without providing any supporting documentation or original signed contract. Reporting a charge-off without proper verification violates FCRA 623 ( a ) ( 1 ) ( A ), which requires furnishers to provide accurate and complete information. 

XXXX  XXXX Acct : XXXXXXXX XXXX XXXX High Balance : {$4000.00} | Date Opened : XX/XX/XXXX | Status : Late Payment This account reflects late payments that are not valid and remain unverified. Continued reporting of unverifiable derogatory information is a violation of FCRA 611 and 607 ( b ), requiring maximum possible accuracy. 

XXXX XXXX  Acct : XXXXXXXX XXXX XXXX  High Balance : {$21000.00} | Date Opened : XX/XX/XXXX | Status : Charge Off This furnisher is reporting a charge-off without validation. They have failed to provide the original signed contract, payment history, or evidence supporting the accuracy of the charge-off. This is a clear violation of FCRA 623 and 609. 

XXXX XXXX XXXX Acct : XXXX High Balance : {$880.00} | Date Opened : XX/XX/XXXX | Status : Collection This collection account is being reported without proper debt validation, in violation of both the Fair Debt Collection Practices Act ( FDCPA 809 ) and the FCRA. The collector has failed to provide validation of the debt, including the original creditors name, itemized statement, and proof of ownership of the debt. 

Legal Violations and Harm Suffered The above accounts have caused severe harm to my credit profile, directly impacting my financial well-being. These furnishers and reporting agencies are in violation of the following laws : FCRA 609 ( a ) Failure to provide full disclosure of records. 

FCRA 611 ( a ) Failure to conduct proper reinvestigation of disputed items.

FCRA 623 ( a ) ( 1 ) ( A ) Furnishing inaccurate or unverifiable information.

FDCPA 809 Failure of debt collector to validate debt. 

The law requires credit reporting agencies and furnishers to ensure maximum possible accuracy of the information they report. Continuing to report accounts that lack proper validation is not only negligent but unlawful. 

Requested Action I respectfully request that the CFPB investigate these violations and take immediate enforcement action. I further demand that the above-mentioned accounts be deleted from my credit reports unless the furnishers can provide legally sufficient proof and complete documentation verifying the accuracy of each entry.

Company response to consumer: Closed with non-monetary relief