Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against Equifax Information Services ( Equifax ) for willful and negligent violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Despite numerous disputes, formal notices, and attached documentation, Equifax has failed to comply with its legal obligations to ensure accurate and complete reporting of credit information. These actions have resulted in significant harm to my creditworthiness and financial standing. 

Over the past several years, I have disputed inaccuracies on my credit report directly with Equifax. Despite these disputes, Equifax has : - Failed to properly investigate and correct erroneous information as mandated by XXXX XXXX. XXXX. 

- Continued to report incomplete and inconsistent payment histories, charge-off dates, and delinquency statuses for multiple accounts.

- Neglected its obligation under 15 U.S.C. 1681e ( b ) to maintain maximum possible accuracy of the information it reports.

- Ignored its duty to remove unverifiable or inaccurate information within the statutory timeframe as per 15 U.S.C. 1681c ( a ) ( 5 ).

- Engaged in willful and negligent actions constituting a violation of 15 U.S.C. 1681n ( willful non-compliance ) and 15 U.S.C. 1681o ( negligent non-compliance ). 

Enclosed are copies of pre-arbitration demand letters, dispute letters, and supporting documentation sent to Equifax, which highlight XXXX failure to address my concerns and resolve the inaccuracies. 

Accounts with Notable Violations - XXXX XXXX  Accounts : Evidence : Copies of the credit report show inconsistent charge-off dates ( XX/XX/XXXX vs. XX/XX/XXXX ) and fluctuating balances despite account closure. 

Violations : FCRA 605 ( a ) ( 4 ) ( inaccurate charge-off date reporting ) and 623 ( a ) ( 5 ) ( failure to accurately report date of first delinquency ). 

- XXXX XXXX Accounts ( Ending XXXX and XXXX ) : Evidence : Reports detail balances remaining post charge-off and discrepancies between reported delinquency dates and payment histories.

Violations : FCRA 1681e ( b ) ( failure to ensure accuracy ) and 1681s-2 ( b ) ( failure to correct inaccurate information ). 

- XXXX XXXX  Account : Evidence : The credit report reveals that charge-off statuses are reported as active through XXXX, despite the accounts closure in XXXX. Payment histories are also incomplete. 

Violations : FCRA 1681e ( b ) ( inaccuracy in reporting ), 1681s-2 ( a ) ( failure to maintain accurate information ), and 1681c ( a ) ( 5 ) ( failure to remove unverifiable information ). 

- XXXX XXXX  Account : Evidence : Dispute letters highlight the failure to update payment history discrepancies and remove unverifiable data. 

Violations : FCRA 1681i ( failure to investigate disputes ) and 1681e ( b ) ( failure to ensure accuracy ). 

- XXXX XXXX XXXX Account : Evidence : Correspondence confirms inconsistent reporting of payment history ( missing XX/XX/XXXX records ) and closure details. 

Violations : FCRA 1681c ( a ) ( 5 ) ( failure to remove inaccurate information ) and 1681s-2 ( b ) ( failure to correct erroneous data ). 

- XXXX XXXX Account : Evidence : Reports display conflicting delinquency statuses ( e.g., 60 days late in XX/XX/XXXX but paid as agreed in XX/XX/XXXX ) and incomplete payment history. 

Violations : FCRA 1681e ( b ) ( failure to ensure maximum accuracy ).

-- Summary of Violations Equifaxs repeated and willful non-compliance includes : - Failure to investigate disputes and correct errors within the statutory 30-day period.

- Reporting incomplete or conflicting information that misrepresents my credit history.

- Willfully ignoring its obligations under the FCRA to ensure accuracy and completeness.

- Violations of the FDCPA related to the misrepresentation of debt information and failure to correct errors promptly.

- Criminal liability for willful non-compliance under FCRA 1681q for knowingly and willfully providing false information with the intent to mislead.