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 a formal dispute regarding multiple inaccurate and misleading entries on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXX et seq. These errors have caused significant financial and emotional harm, including loan denials, elevated interest rates, and repeated stress. I request immediate investigation, correction, or deletion of these items. 
Account Disputes and Issues : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} Late Payment I have consistently made all payments on time. The reporting of late payments is inaccurate. This misreporting has caused higher interest rates on credit products I applied for, multiple declined applications, and unnecessary stress, affecting both my personal and professional life. This inaccurate record directly violates FCRA XXXX and misrepresents my credit reliability. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$2100.00} Late Payment The account falsely indicates a late payment. I have documentation proving timely payments. This error complicates my ability to secure housing and small business financing because lenders see a pattern of late payments that does not exist. Incorrect reporting like this constitutes a violation of FCRA and FDCPA, and the emotional toll of repeated denials has been substantial. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$160.00} Charge Off This account is inaccurately reported as charged off. I have records demonstrating timely payments and account settlement. Misreporting a charge-off harms my ability to qualify for new credit, increases insurance premiums, and negatively impacts my overall financial reputation. Such reporting is a XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00} Collection This account is falsely reported in collection. I have never incurred a debt with this creditor, and the reporting has led to unnecessary stress, denied credit applications, and obstacles in securing housing. Reporting accounts without proper verification violates FCRA XXXX and FDCPA XXXX, and it is materially damaging my financial reputation. 
Unknown Account XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1100.00} Collection I have no knowledge of this account, and it has never been opened or authorized by me. The appearance of an unknown collection account has caused confusion, anxiety, and concerns about potential identity theft. Misreporting unknown accounts constitutes a violation of FCRA XXXX ( a ) and undermines the accuracy of my credit report. Immediate deletion or verification is required. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off This account is incorrectly reported as charged off. I have documentation showing that the account was settled and fully paid, and yet it continues to negatively affect my credit profile. This false charge-off has impacted my ability to secure new credit and increased my insurance premiums, reflecting a violation under FCRA XXXX ( b ) and XXXX ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$7600.00} Charge Off This account is reported as a charge-off in error. I dispute the accuracy of this reporting, and the misrepresentation has caused loan application denials and elevated interest rates, preventing me from accessing fair credit opportunities. Reporting false charge-offs violates FCRA XXXX ( b ) and constitutes willful or negligent misreporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1900.00} Charge Off This account is inaccurately listed as a charge-off. I have records of timely payments and proper account closure, and yet it appears as delinquent. This reporting error has caused financial stress, difficulty in securing personal loans, and unnecessary disputes with potential lenders, which is a clear violation of FCRA XXXX ( b ). 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} Charge Off I dispute this charge-off as inaccurate. I have never defaulted on this account, and the reporting has led to multiple credit application denials and emotional distress, including concerns about job eligibility and professional credibility. The false reporting violates FCRA XXXX and constitutes negligent reporting. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5400.00} Charge Off This account is incorrectly reported as charged off. I dispute this reporting and request immediate verification or deletion. The presence of this false charge-off interferes with my ability to obtain credit, rent housing, and maintain financial stability, which is a violation of FCRA XXXX ( b ). 
XXXXXXXX XXXX Date Opened : XX/XX/XXXX Inquiry I did not authorize this hard inquiry. Unauthorized inquiries violate FCRA XXXX, and the presence of this inquiry negatively affects my credit score and loan eligibility, causing potential financial harm. Immediate removal is required. 
These inaccuracies have caused substantial financial and emotional harm, including denied credit applications, increased loan interest rates, difficulty securing housing, misdirected mail, and repeated efforts to correct my personal financial records. I demand immediate removal or correction of all disputed items, and I expect written confirmation of the investigation outcome within the XXXXday period mandated by FCRA XXXX ( a ). 
These inaccuracies have caused substantial financial and emotional harm, including repeated loan denials, elevated interest rates, difficulty renting housing, and ongoing stress monitoring my credit report. I demand immediate removal or correction of all disputed items and request written confirmation of the investigation outcome within the XXXX-day period mandated by FCRA XXXX ( a ). 
I am attaching supporting documentation, including account statements, payment records, and correspondence, to substantiate my disputes. Failure to correct these errors may result in formal legal action under FCRA and FDCPA, including claims for willful or negligent violations and damages.

Company response to consumer: Closed with non-monetary relief