Consumer complaint received 2025-10-28 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: FL

Complaint narrative:
I am submitting to formally dispute multiple items appearing on my Equifax, Experian and TransUnion consumer credit file and to request a thorough verification of all information, including the permissible purpose for any inquiries, in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 604, 607 ( b ), 609 ( a ), 611, and 623 ( a ) ( 1 ) ( A ). After a careful and detailed review of my credit file, I have identified numerous entries, including accounts, late open, late closed, charge-offs, collections, addresses, and inquiries that appear inaccurate, incomplete, unverifiable, or potentially reported and accessed without my knowledge or authorization. These inaccuracies misrepresent my creditworthiness, may cause harm to my financial standing, and could result in adverse decisions by lenders or other entities relying on this information.

Accordingly, I am formally requesting that Equifax, Experian and TransUnion conduct a comprehensive reinvestigation of each disputed item, confirm the validity and accuracy of all information with the original furnishers, and ensure that any information that can not be fully verified is corrected, updated, in full compliance with federal law. 

XXXX XXXX XXXX XXXX BALANCE {$1900.00} XXXX XXXX XXXX XXXX  BALANCE {$880.00} XXXX XXXX XXXX XXXX XXXX BALANCE {$700.00} XXXX XXXX XXXX XXXX XXXXXXXX BALANCE {$2400.00} XXXX XXXX XXXX XXXX BALANCE {$1900.00} XXXX XXXX XXXX XXXXXXXX BALANCE {$1300.00} XXXX XXXX XXXX BALANCE {$330.00} XXXX XXXX XXXXXXXX XXXX BALANCE {$1600.00} XXXX XXXX XX/XX/2025 XXXX XXXX XX/XX/2025 XXXX XXXX XX/XX/2025 XXXX XXXX XX/XX/2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$450.00} XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXXOriginal Creditor XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : $ XXXXOriginal Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original CreditorXXXX XXXX XXXX Balance Owed : {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$950.00} Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX  BALANCE {$250.00} DPT ED/XXXX XXXX BALANCE {$85.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$590.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$810.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$44.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXX XXXX XXXX BALANCE {$950.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$220.00}

Company response to consumer: Closed with non-monetary relief