Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Equifax, I am writing to you once again regarding persistent inaccuracies on my credit report. Despite multiple dispute rounds, Equifax continues to report these accounts in clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). Each previous dispute was met with inadequate investigation and no substantial verification. As mandated by federal law, specifically FCRA XXXX ( a ) ( XXXX ), you are required to conduct a thorough reinvestigation to verify the accuracy and completeness of disputed information within 30 days. However, you have repeatedly failed to fulfill this obligation. 

Below are the detailed explanations of each disputed account, clearly outlining each Issue, Law, and an extended Story to fully illustrate your ongoing violations. 

XXXXXXXX XXXX # XXXX * * * * * * * * Date Opened : XX/XX/XXXX | Balance Owed : {$4500.00} | Status : Charge Off Issue : Failure to provide any original documentation or validation despite repeated requests. 

Law : FCRA XXXX ( a ) ( XXXX ) ( XXXX ) Obligation to perform a reasonable reinvestigation and verify disputed information. 
FCRA XXXX ( b ) Credit reporting agencies must ensure maximum possible accuracy. 

Story : I have explicitly requested original documentation, including the signed contract and a detailed history of transactions proving my liability for this debt. Despite these requests, Equifax continues to report this charge-off without proper validation or documentation from XXXX. This lack of verification is unlawful and violates my rights under FCRA XXXX ( a ) ( XXXX ) ( A ). Your continued negligence is damaging my credit reputation unjustly and must end immediately. 

XXXXXXXX XXXX  # XXXX * * * * * * * * Date Opened : XX/XX/XXXX | Balance Owed : {$740.00} | Status : Late Payments Issue : Multiple reported late payments remain unverified after multiple disputes and requests for documented proof. 

Law : FCRA XXXX ( b ) Requires Equifax to ensure the maximum accuracy of information reported. 
FCRA XXXX ( a ) ( XXXX ) Mandates removal or correction of unverifiable information. 

Story : After repeated disputes, I specifically requested Equifax provide proof of the dates and exact amounts of alleged late payments. To date, Equifax has never supplied credible documentation supporting these claims, directly violating FCRA XXXX ( a ) ( XXXX ). Without verifiable evidence, you continue to unjustly portray my payment history negatively, affecting my financial stability. This account must be immediately corrected or deleted from my credit report. 

XXXX # XXXX * * * * * * * * Date Opened : XX/XX/XXXX | Balance Owed : {$3300.00} | Status : Charge Off XXXX # XXXX * * * * * * * * Date Opened : XX/XX/XXXX | High Balance : {$4500.00} | Status : Charge Off Issue : Duplicate reporting of the same XXXX account with conflicting dates and balances, inaccurately inflating negative credit impact. 

Law : FCRA XXXX ( a ) Prohibits inaccurate and misleading duplicate reporting of accounts. 
FDCPA XXXX ( XXXX ) ( A ) Prohibits false representation of debt amount or status. 

Story : These XXXX entries clearly represent a single account, yet they are reported with entirely different open dates and balances. Such duplicative reporting is highly misleading and artificially exaggerates negative entries on my credit report. This intentional or negligent misreporting directly violates FCRA XXXX ( a ) and FDCPA XXXX ( XXXX ) ( A ), creating confusion and an unfair depiction of my creditworthiness. You must immediately consolidate or remove this duplicate information. 

XXXX XXXX XXXX # XXXX * Date Opened : XX/XX/XXXX | Balance Owed : {$830.00} | Status : Collection Issue : Reporting an unvalidated collection account without prior notice or any supporting evidence from the original creditor or collection agency. 

Law : FDCPA XXXX ( b ) Requires debt collectors to provide written validation of debt upon request. 
FCRA XXXX ( a ) Requires CRAs to verify disputed collection accounts with proper documentation. 

Story : This collection was placed on my report without my knowledge or consent, and without me ever receiving a debt validation notice, original creditor information, or detailed billing statements. I have formally disputed this debt requesting proper validation per FDCPA XXXX ( b ), yet Equifax has ignored these requirements. This negligence and unlawful reporting continues to harm my financial standing, and this account must be removed immediately, in accordance with federal laws. 

Your ongoing violations and refusal to provide evidence-based verification, as required by federal law, has caused extensive damage to my financial stability and emotional well-being. This letter represents my final attempt to resolve these disputes amicably and directly with Equifax. 

I am formally requesting that Equifax immediately and thoroughly reinvestigate each disputed account, strictly adhering to your legal responsibilities as outlined in the FCRA. If you are unable to fully substantiate these entries with original, credible documentation from the respective creditors within XXXX days, I demand the immediate deletion of all disputed items. 

Failure to comply will result in me escalating this dispute through formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and potentially pursuing additional legal remedies. 

Thank you for your prompt and serious attention to this matter.

Company response to consumer: Closed with non-monetary relief