Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Complaint Against Equifax for FCRA Violations Faulty investigation.

To Whom It May Concern, I am filing a formal complaint against EQUIFAX for failing to maintain accurate credit reporting information in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. EQUIFAX has reported inaccurate and erroneous accounts on my credit file, which have negatively impacted my credit score and financial reputation. Despite my attempts to dispute these inaccuracies, EQUIFAX has failed to correct or remove the incorrect information, thereby violating my rights under the FCRA.

Specifically, EQUIFAX has violated the following provisions of the FCRA : 15 U.S.C. 1681e ( b ) - Failure to Ensure Maximum Possible AccuracyEQUIFAX is required to follow reasonable procedures to assure the maximum possible accuracy of information in consumer reports. However, they have included incorrect accounts on my credit report, which I have disputed but remain uncorrected.

15 U.S.C. 1681i - Failure to Conduct a Proper ReinvestigationAfter submitting multiple disputes regarding the inaccurate accounts, EQUIFAX failed to conduct a proper reinvestigation within the required 30-day period and did not remove or correct the erroneous data.

15 U.S.C. 1681s-2 ( b ) - Failure of Furnishers to Correct InaccuraciesI have contacted both EQUIFAX and the data furnishers, yet the inaccurate information persists. EQUIFAX has failed to properly communicate with the furnishers and ensure the correction of my report.

The inaccurate reporting by EQUIFAX has caused me financial harm, including potential denial of credit, increased interest rates, and damage to my personal and professional reputation. Their failure to comply with the FCRA has significantly impacted my financial well-being.

I request that the CFPB investigate Experians failure to adhere to the FCRAs requirements and take appropriate enforcement action. Additionally, I demand the immediate correction or removal of the inaccurate accounts from my credit report to prevent further harm. 

ALL DATES OF FIRST DELINQUENCY IS INACCURATE FOR THESE ACCOUNTS!!! 

XXXX XXXXThe Charge-off amount is still inaccurate.

-The First late payment is still inaccurate.

-The Date open is unverifiable according to discover so this cant be verified. 
DELETE from credit file. 

XXXX. XXXX XXXX ( Auto Loan ) -The First late payment cant be verified per XXXX XXXX 
-The Last late payment is still inaccurate. 
XXXXThe reported balance of {$260.00} is still inaccurate. 
DELETE from credit file. 

XXXX. XXXX XXXX XXXX ENDING IN # XXXX ( XXXX ) -The First late payment can not be verified. 
-The last late payment is still inaccurate. 
DELETE from credit file. 

XXXX. XXXX XXXX XXXX ( {$1000.00} ) -The late payment is inaccurate. 
-The charge off date is inaccurate. 
DELETE from credit file. 



XXXX. XXXX ( XXXXXXXX XXXX  ) -The first late payment can not be verified. 
-The last late payment is inaccurate. 
-Charge off are still reporting in accurate DELETE from credit file. 

XXXX. XXXX XXXX XXXX XXXX XXXX ) The late payment is unverifiable. 
The Highest balance is unverifiable. 
DELETE from credit file. 

XXXX. XXXX ( XXXX XXXX ) -The late payment is unverifiable. 
-The Highest balance is unverifiable. 

Again, I have already spoken with the companies. Immediately delete the inaccurate and unverifiable items on my credit report as required by law if not verified. 
EQUIFAX did not update accurately as stated and has done a faulty job in reporting an accurate credit report. If this is not resolved I'll be filing a lawsuit. 
Thanks, XXXX

Company response to consumer: Closed with non-monetary relief