Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am filing a formal complaint against Equifax for failing to correct multiple credit reporting errors despite prior disputes. Equifax has violated the Fair Credit Reporting Act ( FCRA ) 1681i, 1681b, and 1681s-2 ( b ) by : Failing to properly investigate and correct disputed items Continuing to report inaccurate, outdated, and unverifiable information Refusing to remove unauthorized hard inquiries Non-compliance with Metro 2 data reporting standards 1. Unverified & Incorrect Bankruptcies Reporting Equifax has failed to update, correct, or remove inaccurate bankruptcy data from my credit file. 

XXXX XXXX Bankruptcy Date Filed : XX/XX/XXXX Date Discharged : XX/XX/XXXX Issue : Accounts included in this bankruptcy are still reporting balances, late payments, and charge-offs, which violates Metro 2 Compliance and CFPB XXXX XXXX lawsuit precedents. 
Disputed Before? Yes, multiple times. 
Outcome? Equifax has refused to correct these inaccuracies. 
Request : Ensure that all accounts included in bankruptcy reflect {$0.00} balance and " Included in Bankruptcy '' status as required by law. 
XXXX XXXXXXXX Bankruptcy Date Filed : XX/XX/XXXX Date Dismissed : XX/XX/XXXX Issue : Equifax continues to report this bankruptcy, even though it was dismissed and holds no legal weight. 
Disputed Before? Yes. 
Outcome? Equifax has refused to remove this bankruptcy. 
Request : Immediate deletion of the dismissed XXXX XXXXXXXX bankruptcy as it is no longer relevant or legally enforceable. 
Unauthorized Hard Inquiries Under FCRA 1681b, hard inquiries must be authorized by the consumer. Equifax has failed to remove multiple unauthorized hard inquiries, even after disputes. 

Creditor Name Type of Business Date of Inquiry FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Disputed Before? Yes. 
Outcome? Equifax has refused to remove these inquiries without providing proof of authorization. 
Request : Immediate deletion of all unauthorized hard inquiries or documented proof that I provided written authorization.

Several accounts remain inaccurately reported as charge-offs, collections, or past due despite being : Paid Included in bankruptcy Sold/transferred ( which means the original creditor should no longer report them ) Creditor Name Account Number ( Last 4 ) Balance Status Issue XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection Account was closed due to inactivity but still reports balancXXXX XXXX XXXX  {$0.00} Charge-Off Transferred to another lender, should not report XXXX XXXX XXXX {$0.00} Derogatory Still showing as a derogatory account after bankruptcy Disputed Before? Yes. 
Outcome? Equifax refuses to remove or update these accounts as required by Metro 2 compliance guidelines.

Request : Immediate deletion or correction of these accounts per FCRA 1681s-2 ( b ) and Metro 2 reporting standards.

Company response to consumer: Closed with non-monetary relief