Consumer complaint received 2025-10-25 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: FL

Complaint narrative:
Subject : Ongoing and Repeated Violations of the Fair Credit Reporting Act by Equifax Information Services LLC To Whom It May Concern, This complaint is against Equifax Information Services LLC for continuous, willful, and negligent violations of the Fair Credit Reporting Act ( FCRA ) specifically Sections 1681e ( b ), 1681i ( a ), and 1681c by reporting inaccurate, incomplete, and unverifiable account data and by verifying data without obtaining required documentation from furnishers. 

I have disputed these accounts previously, and Equifax continues to verify unverifiable accounts, including those lacking original signed documentation from the original creditors. 

XXXX. XXXX XXXX XXXX ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) Violations Identified : FCRA 1681e ( b ) Failure to maintain maximum possible accuracy Equifax reports this collection account as verified even though no signed contract or application from the original creditor ( XXXX XXXXXXXX XXXX has ever been produced.

Equifax has a statutory duty to ensure accuracy and completeness. Verification requires reasonable evidence, not blind acceptance of data provided by a debt collector.

FCRA 1681i ( a ) ( 1 ) ( A ) Failure to perform a lawful reinvestigation Equifax accepted verification from XXXX XXXX without obtaining any supporting documents showing I authorized or agreed to the alleged debt. A consumer reporting agency can not verify ownership without documentary proof, as required under case law such as Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ).

FCRA 1681c ( a ) ( 4 ) Reporting obsolete or inconsistent information The Date of First Delinquency ( XX/XX/XXXX ) and Date Assigned ( XX/XX/XXXX ) conflict with the Status Date and Balance Date ( XX/XX/XXXX ). 
Updating an account multiple times after assignment while maintaining the same delinquency date constitutes re-aging, which is prohibited under the FCRA and CFPB enforcement guidance.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) Reporting information known to be inaccurate The collector reports the account as unpaid without proper validation or legal chain-of-custody documentation from the original creditor. Equifax accepted this unverifiable data.

Summary of Issue : Equifax is verifying this account without any signed agreement, without proof of ownership, and with inconsistent reporting dates. This violates both the FCRAs accuracy standard and its reinvestigation requirement. 

XXXX. XXXX XXXX XXXX ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) Violations Identified : Duplicate Collection Reporting Both XXXX Systems and XXXX XXXX XXXX report XXXX accounts, both dated XX/XX/XXXX. 
These appear to be duplicate or overlapping accounts for the same original creditor, violating FCRA 1681e ( b ) by creating a misleading impression of multiple debts for the same obligation.

FCRA 1681e ( b ) Failure to ensure accuracy The Original Amount Owed ( {$220.00} ) and Reported Amount ( {$280.00} ) are inconsistent. Equifax should have verified the discrepancy and obtained itemized documentation, which they did not.

FCRA 1681i ( a ) ( 1 ) ( A ) Lack of proper reinvestigation No signed XXXX agreement, no itemized billing statement, and no record of assignment were produced. 
Despite this, Equifax marked the account as verified a clear failure to conduct a reasonable reinvestigation.

FCRA 1681c ( a ) ( 4 ) Improper date reporting and re-aging The Date of First Delinquency ( XX/XX/XXXX ) can not logically align with the Date Assigned ( XX/XX/XXXX ) and Status Date ( XX/XX/XXXX ) unless the account was unlawfully re-aged to appear newer. 
This is a deceptive practice that extends the accounts life on my report. 

Summary of Issue : Equifax continues to report this unverifiable XXXX XXXX XXXX account while also allowing a duplicate entry from XXXX XXXX for the same creditor, violating the FCRAs accuracy and completeness requirements. 

XXXX. XXXX XXXX XXXX ( Account # XXXX ) Violations Identified : FCRA 1681e ( b ) Failure to maintain maximum possible accuracy Equifax reports a Closed account with a payment history full of C marks ( Collections ) and several months marked as No Data Available.

A data furnisher can not verify missing data ; Equifax can not accept a report that simultaneously says No Data Available while marking months as collections.

FCRA 1681i ( a ) ( 1 ) ( A ) Failure to reinvestigate disputed data I previously disputed this account, yet Equifax accepted verification from Portfolio Recovery without obtaining proof of ownership or a signed contract.

Courts have held that credit bureaus can not rely solely on furnisher responses when the data is facially incomplete or inconsistent ( Cushman v. Trans Union Corp., 115 F.3d 220 ).

FCRA 1681c ( a ) ( 4 ) Improper re-aging and inaccurate date reporting The Delinquency First Reported Date ( XX/XX/XXXX ) contradicts continuous C marks for XXXX. Once charged off, collection marks can not lawfully reoccur monthly that constitutes multiple derogatory entries for the same delinquency.

FCRA 1681i ( a ) ( 5 ) ( A ) Failure to delete unverifiable data Equifax has a duty to remove or correct unverifiable information after a reasonable investigation. Reporting a closed collection with no payment data for over three years violates that duty.

Summary of Issue : Equifax is maintaining and verifying incomplete, re-aged, and unverifiable data for XXXX XXXX XXXX. This continuous reporting inflates derogatory marks and damages my credit unlawfully.

4. Address Inaccuracy ( FCRA 1681i ( a ) ( 1 ) ( A ) ) My correct and only address for the past seven ( 7 ) years is : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax continues to display old and false addresses where I have never resided. 
This is a direct violation of the FCRAs requirement that all consumer data be accurate and verifiable. I have repeatedly requested removal, and Equifax continues to fail to correct this. 

Requested Action I am requesting that the Consumer Financial Protection Bureau : Investigate Equifax Information Services LLC for repeated violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) Compel Equifax to delete all unverifiable accounts listed above.

Compel Equifax to remove all incorrect addresses.

These accounts remain on my report without lawful verification, without signed contracts, and with clearly conflicting and re-aged data. 
I request deletion of all disputed entries from my Equifax file. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation