Consumer complaint received 2025-09-08 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 regarding multiple inaccurate, fraudulent, and misleading entries appearing on my credit report. These inaccuracies are severely damaging my creditworthiness, misrepresent my financial responsibility, and are in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. I request immediate investigation, correction, or removal of the following items. 
XXXX XXXX XXXX, XXXX  XXXX Wrong Address reported. I have never lived at this address, never received mail there, and have no accounts tied to this location. Its presence falsely connects me to debts and liabilities that are not mine. This false reporting has resulted in credit application denials, increased interest rates, and unnecessary collection inquiries. The inclusion of this address violates FCRA 609 and 611, which require accurate personal information. I request immediate removal and correction. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$62.00} Date Opened : XX/XX/XXXX Late Payment reported. This late payment is inaccurate. I have always made timely payments on this account. Reporting a false late payment negatively affects my credit score, increases the cost of borrowing, and misrepresents my financial responsibility. This is a violation of FCRA 623 and FDCPA 809 ( b ). I demand immediate removal or correction with proof of verification. The continued false reporting constitutes willful misconduct. 
XXXX  XXXX XXXX XXXX : {$810.00} Date Opened : XX/XX/XXXX Late Payment reported. I dispute this late payment as I have no record of missing a payment. This false entry misleads creditors and harms my creditworthiness, potentially resulting in denied loans or higher interest rates. FCRA 611 requires that such disputed information be validated. I request verification of this claim or immediate deletion. Reporting unverified late payments is illegal and actionable. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$850.00} Date Opened : XX/XX/XXXX Charge Off reported. I have never defaulted on this account. Reporting a charge off without verification is misleading, damaging my credit history, and reduces my eligibility for future credit. This action violates FCRA 611 and 623 and FDCPA regulations. I request immediate removal unless proper documentation is provided. Failure to remove unverifiable charge offs is a legal violation and subjects the reporting agency to liability. 
XXXX XXXX XXXX XXXX XXXX : {$500.00} Date Opened : XX/XX/XXXX Charge Off reported. This charge off is false. I have always maintained proper payments and have documentation to prove timely account management. Reporting this inaccurate charge off reduces my creditworthiness, impacts mortgage and auto loan applications, and constitutes a violation of FCRA 611. I demand immediate investigation and deletion of this false entry. 
DEPTED/XXXX  XXXXXXXX XXXX XXXXXXXX XXXX : {$3500.00} Date Opened : XX/XX/XXXX Late Payment reported. I have never missed or delayed payments as reported. The inaccurate late payment entry is misleading to lenders, causing credit denials and undue financial stress. FCRA 623 and FDCPA 809 require accurate reporting and validation of disputed items. I request immediate removal or proof of legitimacy, failing which legal action will be pursued. 
XXXX XXXXXXXX XXXX XXXX XXXX : {$18000.00} Date Opened : XX/XX/XXXX Charge Off reported. I dispute this charge off as inaccurate. I have never defaulted on this account, and I have maintained all payments according to the agreed schedule. Reporting this false charge off misleads lenders, causes loan denials, increases interest rates, and harms my financial reputation. This is a violation of FCRA 611 and 623. The continued inclusion of this account without validation constitutes willful negligence. I demand immediate deletion unless verifiable documentation is provided. 
XXXX XXXXXXXX XXXX High Balance : {$1000.00} Date Opened : XX/XX/XXXX Charge Off reported. This account is being incorrectly reported. I have consistently met all obligations associated with this account. Reporting a charge off without proper verification misrepresents my creditworthiness and could result in denial of credit or financial opportunities. This false reporting violates FCRA 611 and FDCPA 809 ( b ). I request immediate investigation and removal of this entry if verification can not be provided. 
DEPTED/XXXX XXXX XXXX XXXX XXXX : {$1000.00} Date Opened : XX/XX/XXXX Late Payment reported. I dispute this late payment as inaccurate. I have never missed or delayed any payments. This false information misleads lenders, potentially results in higher interest rates, and harms my ability to access credit. Reporting incorrect student loan payment history is a serious violation of FCRA 623 ( a ) and FDCPA regulations. I demand deletion or validation with proper documentation. 
XXXX XXXX XXXX XXXX XXXX High Balance : {$200.00} Date Opened : XX/XX/XXXX Charge Off reported. This charge off is incorrect. I have no record of default or notice of any unpaid balances. Reporting a charge off falsely damages my credit score and misrepresents my financial reliability. This constitutes a violation of FCRA XXXX and FDCPA. I demand immediate correction or removal of this entry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$200.00} Date Opened : XX/XX/XXXX Late Payment reported. This entry is inaccurate. I have consistently paid on time, and the reported late payment is false. This misreporting negatively affects my credit score, loan approvals, and interest rates. Reporting unverified late payments violates FCRA 609 and 611. I demand correction or deletion. 
DEPTED/XXXX  XXXX XXXX XXXX : {$1700.00} Date Opened : XX/XX/XXXX Late Payment reported. I dispute this payment history as false. I have always paid on time. Reporting inaccurate late payments misleads lenders, negatively impacts my credit score, and is a violation of FCRA 611. I demand investigation and immediate removal if unverifiable. 
DEPTED/XXXX  XXXX XXXX XXXX XXXX : {$3500.00} Date Opened : XX/XX/XXXX Late Payment reported. This is inaccurate and misleading. I have never missed or delayed payments as claimed. Misreporting student loan payment history causes undue financial stress, loan denials, and violates FCRA 623 and FDCPA 809 ( b ). Immediate correction or deletion is required unless documentation validating this claim is provided. 
DEPTED/XXXX  XXXX XXXX XXXX XXXX : {$2200.00} Date Opened : XX/XX/XXXX Late Payment reported. This late payment is completely inaccurate. I have always made timely payments for this account. Reporting a false late payment misleads lenders, increases my borrowing costs, and negatively impacts my credit score. This false reporting constitutes a violation of FCRA 611 and 623, and continued inclusion without verification may be considered willful negligence. Immediate removal is demanded unless verifiable documentation is provided. 
DEPTED/XXXX XXXX  XXXX XXXX XXXX : {$3700.00} Date Opened : XX/XX/XXXX Late Payment reported. I dispute this entry as it is inaccurate and misleading. I have never missed or delayed payments on this account. False reporting of student loan history harms my creditworthiness, misleads lenders during loan evaluation, and may lead to higher interest rates or loan denials. I demand correction or deletion immediately. 
DEPTED/XXXX  XXXX XXXX XXXX XXXX : {$2200.00} Date Opened : XX/XX/XXXX Late Payment reported. This account has been reported incorrectly. I have maintained all payments on time. Misreporting late payments is harmful, misleading, and a violation of FCRA 611. This false entry could impact mortgage, auto loan, and credit card approvals. Immediate investigation and removal is required. 
DEPTED/XXXX  XXXX XXXX XXXX XXXX : {$1200.00} Date Opened : XX/XX/XXXX Late Payment reported. I dispute this late payment as false. I have documentation proving timely payment. Reporting unverified late payments misleads creditors, damages my credit score, and constitutes a violation of FCRA 609 and 611. I demand correction or deletion. 
DEPTED/XXXX  XXXX XXXX XXXX XXXX : {$6000.00} Date Opened : XX/XX/XXXX Late Payment reported. This is inaccurate and misleading. I have never missed or delayed payments on this account. Misreporting payment history of this magnitude causes undue financial stress, loan denials, and violates FCRA 623 and FDCPA 809 ( b ). I demand immediate removal unless validated. 
DEPTED/XXXX  XXXX XXXX XXXX XXXX : {$3500.00} Date Opened : XX/XX/XXXX Late Payment reported. I dispute this entry as inaccurate. False reporting damages my credit profile, misleads lenders, and negatively impacts my ability to secure loans. Reporting unverifiable late payments violates federal law. Immediate correction or deletion is required. 
DEPTED/XXXX  XXXX XXXX XXXX XXXX : {$3700.00} Date Opened : XX/XX/XXXX Late Payment reported. This late payment is false. I have always maintained timely payments, and this inaccurate report reduces my creditworthiness and borrowing capacity. It also misleads lenders and constitutes a violation of FCRA 611 and 623. Immediate removal is demanded. 
XXXX XXXX XXXX XXXX XXXX XXXX : {$26000.00} Date Opened : XX/XX/XXXX Charge Off reported. This charge off is completely inaccurate. I have never defaulted on this account, and I have always maintained timely payments. Reporting this false charge off misleads lenders, lowers my credit score, increases borrowing costs, and may result in denial of credit, mortgages, or auto loans. This is a violation of FCRA 611 and 623. The continued reporting without verification constitutes willful negligence or potential willful violation of federal law. Immediate removal or correction is demanded, and I request verification documentation proving legitimacy. 
XXXX XXXX XXXX XXXX XXXX High Balance : {$650.00} Date Opened : XX/XX/XXXX Charge Off reported. I dispute this entry as inaccurate. I have fulfilled all obligations associated with this account. Reporting a false charge off misrepresents my financial reliability, harms my creditworthiness, misleads lenders, and may result in increased interest rates or credit denials. This violates FCRA 611 and FDCPA 809 ( b ). Immediate deletion or correction is required. 
XXXX XXXX * XXXX XXXX : {$2000.00} Date Opened : XX/XX/XXXX XXXX XXXX reported. This charge off is false and misleading. I have consistently paid as agreed and have documentation to prove timely payments. Reporting a false charge off harms my credit profile, misleads lenders, and negatively impacts my ability to obtain loans. This constitutes a violation of FCRA 611. Immediate investigation and removal is demanded. 
XXXX XXXX * XXXX XXXX : {$2000.00} Date Opened : XX/XX/XXXX XXXX XXXX reported. This duplicate charge off is inaccurate. I have fulfilled all obligations and have proof of payments. Reporting this incorrectly misleads creditors, reduces borrowing opportunities, and violates FCRA 611 and 623. Immediate deletion or correction is required. 
DEPTED/XXXX XXXX XXXX XXXX XXXX : {$3500.00} Date Opened : XX/XX/XXXX Late Payment reported. I dispute this late payment as inaccurate. I have never missed or delayed payments. Misreporting this payment history harms my credit score, misleads lenders, increases borrowing costs, and violates FCRA 623 and FDCPA 809 ( b ). Immediate removal or correction is demanded. 
DEPTED/XXXX  XXXX XXXX XXXX XXXX : {$4900.00} Date Opened : XX/XX/XXXX Late Payment reported. This late payment is false. I have consistently paid on time. Reporting unverified late payments misleads lenders, damages my creditworthiness, and may affect loan approvals or interest rates. Immediate investigation and removal is required. 
XXXX XXXX XXXX XXXX XXXX  High Balance : {$2000.00} Date Opened : XX/XX/XXXX Charge Off reported. I dispute this charge off as inaccurate. I have never defaulted and have documentation proving all payments were made timely. Misreporting this harms my credit score, misleads lenders, and constitutes a violation of FCRA 611 and 623. Immediate correction or deletion is demanded. 
XXXX XXXX * XXXX XXXX : {$630.00} Date Opened : XX/XX/XXXX Collection reported. This collection is inaccurate. I have no record of default or missed payment. Reporting this falsely misleads creditors, reduces creditworthiness, and harms my ability to secure loans. Immediate investigation and deletion is demanded. 
XXXX  XXXX High Balance : {$440.00} Date Opened : XX/XX/XXXX Charge Off reported. This charge off is false. I have met all obligations, and reporting this incorrectly misrepresents my financial responsibility, misleads lenders, and negatively impacts my credit profile. Immediate deletion or correction is required. 
XXXX XXXX XXXX XXXX : {$1300.00} Date Opened : XX/XX/XXXX Charge Off reported. This account has been falsely reported as charged off. I have always maintained timely payments. Misreporting this harms my creditworthiness, misleads lenders, and violates FCRA 611. Immediate correction or removal is demanded. 
XXXX XXXXXXXX XXXX XXXX  XXXX XXXX : {$2100.00} Date Opened : XX/XX/XXXX Collection reported. This collection is inaccurate. I have no record of missed payments or default. Reporting this falsely misleads lenders, reduces creditworthiness, and is a violation of FCRA 611. Immediate deletion or correction is required. 
XXXX  account XXXXXXXX XXXX XXXX XXXX XXXX : {$520.00} Date Opened : XX/XX/XXXX Collection reported. I have no knowledge of this account, and it is being reported inaccurately. Unverified collections mislead lenders, harm my credit profile, and violate FCRA 609 and 611. Immediate removal is required, and verification must be provided if claimed to be valid. 
XXXX  XX/XX/XXXX Inquiry reported. I dispute this inquiry as false. Unauthorized reporting misleads lenders, harms my credit profile, and violates FCRA 604. Immediate deletion is required. 
XXXX XX/XX/XXXX Inquiry reported. This inquiry is inaccurate. I did not authorize it. Reporting unverified inquiries misleads lenders, reduces creditworthiness, and violates FCRA 604. Immediate removal is required. 
XXXX XX/XX/XXXX Inquiry reported. This inquiry is false. Misreporting unverified inquiries reduces creditworthiness, misleads lenders, and violates FCRA 604. Immediate removal is required. 
XXXX XXXX XX/XX/XXXX Inquiry reported. Unauthorized and inaccurate. Reporting false inquiries reduces creditworthiness, misleads lenders, and violates FCRA 604. Immediate removal is required. 
XXXX XX/XX/XXXX Inquiry reported. This inquiry is inaccurate and unauthorized. Misreporting reduces my borrowing capacity, misleads lenders, and violates FCRA 604. Immediate removal is required. 
I assert that all of the above-referenced accounts, collections, and inquiries are inaccurate, fraudulent, and/or unauthorized. Continued reporting of these items is harmful, misleading, and in direct violation of federal law. I request CFPB assistance to ensure that all items are promptly investigated, corrected, or removed. I also request written confirmation of corrective actions taken. Failure to comply may result in further legal action to enforce my rights under FCRA and FDCPA, including claims for damages caused by continued false reporting.

Company response to consumer: Closed with non-monetary relief