Consumer complaint received 2025-10-21 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:
Dear CFPB Representative, I am filing this complaint against multiple creditors and credit reporting agencies for reporting inaccurate, false, and unverifiable information on my consumer credit report in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Despite my consistent efforts to maintain accurate reporting, the listed accounts continue to appear with severe reporting errors, false charge-off statuses, and fabricated late payments that have drastically impacted my creditworthiness and personal life. 
The creditors and accounts in question are as follows : XXXX XXXX XXXX High Balance : {$4000.00} Date Opened : XX/XX/XXXX Status : Charge-Off I have no knowledge of this account, nor did I authorize any transaction or financial relationship with XXXX XXXX XXXX Reporting this as a charge-off is a clear violation of FCRA 607 ( B ), as the data being furnished is neither accurate nor verifiable. I demand immediate deletion due to the lack of proper substantiation and proof of obligation. 
XXXX XXXX XXXX High Balance : {$5600.00} Date Opened : XX/XX/XXXX Status : Charge-Off This appears to be a duplicate or fraudulent entry. I never received any written or electronic notice from this creditor, and the reporting of a charge-off without verification is false and misleading. Under FCRA 611 ( A ), I am requesting a complete reinvestigation and deletion. 
XXXX XXXX XXXX High Balance : {$26000.00} Date Opened : XX/XX/XXXX Status : Late Payment This account is incorrectly reported with late payments. I have never made any late payments and demand that the payment history be corrected to Pays As Agreed. Reporting inaccurate late payment information constitutes a violation under FCRA 607 ( B ) and 623 ( A ) ( 1 ) ( A ). 
XXXX XXXX High Balance : {$600.00} Date Opened : XX/XX/XXXX Status : Late Payment This account has been reported with inaccurate payment history. I have consistently made timely payments, and there is no record of delinquency. I demand correction of all late payment notations to reflect a positive and accurate payment history. 
XXXX  XXXX High Balance : {$15000.00} Date Opened : XX/XX/XXXX Status : Charge-Off I have no prior knowledge or relationship with this entity. The account can not be verified and should be deleted immediately for being unverifiable and inaccurate under FCRA 611 ( A ) ( 1 ) ( A ). 
XXXXXXXX XXXX XXXX High Balance : {$16000.00} Date Opened : XX/XX/XXXX Status : Late Payment This account has been wrongfully reported with late payments. I have maintained my obligations and demand that this misinformation be corrected immediately under FCRA 607 ( B ). 
XXXX XXXX High Balance : {$29000.00} Date Opened : XX/XX/XXXX Status : Late Payment This appears to be a duplicate of a previously listed XXXX account. Such duplication creates misleading data that inaccurately lowers my credit score. Please conduct a thorough reinvestigation and delete the inaccurate entry. 
XXXX XXXX High Balance : {$5600.00} Date Opened : XX/XX/XXXX Status : Collection I do not recognize this debt nor have I been contacted by this alleged creditor. No validation or proof of obligation has ever been provided to me. Under the FCRA and FDCPA 809 ( b ), I dispute this account as fraudulent and demand deletion. 
XXXX XXXX XXXX XXXX High Balance : {$1600.00} Date Opened : XX/XX/XXXX Status : Collection This account is unknown to me. It appears to be an error or a case of mixed credit file reporting. I never received any verification of this debt, therefore it must be removed under FCRA 611 ( A ).

These false reports have significantly damaged my credit reputation, hindered my ability to obtain credit, and caused emotional distress. I have contacted the credit bureaus to dispute these accounts, but the reporting agencies have failed to properly investigate or verify them, as required by FCRA 611 ( A ).

I am requesting that the CFPB investigate these violations immediately and ensure that all unverifiable, inaccurate, or duplicate accounts listed above are deleted from my credit report. Additionally, I request the CFPB to take appropriate enforcement actions against the creditors and furnishers for their noncompliance with federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief