Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
b'I am filing this formal complaint against Equifax Information Services LLC for their continued violation of the Fair Credit Reporting Act (FCRA) by reporting multiple inaccurate, unverified, and unauthorized accounts that remain on my credit report even after a prior dispute and reinvestigation request. Equifax has failed to comply with the requirements of 15 U.S.C. 1681i(a)(1)(A), which mandates a reasonable reinvestigation of disputed information, and 1681e(b), which requires maximum possible accuracy in consumer reports. Their repeated negligence and failure to remove unverifiable data have caused harm to my credit profile, personal reputation, and financial opportunities.\n\nEquifax continues to report XXXX XXXX XXXX Date Opened: XXXX, Balance: XXXX listed as a Charge Off. I have no knowledge or record of this account, and no validation has ever been provided to confirm its accuracy. The same creditor, XXXX XXXX XXXX, Date Opened: XXXX Balance: XXXX, is reported as a Late Payment, which is false and unverified since I have never made a late payment on this account.\n\nEquifax is also reporting XXXX XXXX XXXX, Date Opened: XXXX, Balance: XXXX as a Collection, even though I have no association with this debt and no contract or validation has been produced. Another collection account, XXXX XXXX XXXX Date Opened: XXXX, BalanceXXXX XXXX, reflects an impossible future date and therefore proves inaccurate and unreliable reporting. Additionally, XXXX XXXX XXXX XXXX XXXX Date Opened: XXXX, Balance: XXXX, continues to be reported as a Collection without any lawful proof of ownership, consent, or validation.\n\nThe account XXXX XXXX XXXX XXXX, Date Opened: XXXX, Balance: XXXXXXXX, has been marked with Late Payments that are incorrect. The account XXXX XXXX XXXX Date Opened: 1XXXX, Balance: XXXX  also contains false delinquency data. XXXX XXXX XXXX XXXX, Date Opened: XXXX Balance: XXXX, has been inaccurately reported with late payments that have not been validated by the furnisher.\n\nThe account XXXX XXXX XXXX Date Opened: XXXX Balance: XXXX, is listed as a Charge Off that I have no knowledge of and which remains unverified. XXXX XXXX XXXX XXXX, Date Opened: XXXX, has been reported twice  one showing a Balance of XXXX and another showing a Balance of XXXX  both listed as Collection accounts. These are duplicate and deceptive entries for the same alleged debt, which violates the FCRAs requirement of data accuracy.\n\nEquifax continues to report XXXX XXXX XXXX, Date Opened: XXXX, Balance: XXXX, as a Charge Off, even though no proof of ownership or verification has been provided. XXXX XXXX, Date Opened: XXXX, Balance: XXXX is being reported with false late payment information. XXXX XXXX XXXX XXXX Date Opened: XXXX, Balance: XXXX, appears as a Collection account that I have no knowledge of, and the future opening date makes the reporting clearly invalid and inaccurate.\n\nThe account XXXX XXXX, Date OpenedXXXX XXXX, Balance: XXXX is being reported as a Charge Off, which is false. XXXX XXXX, Date Opened: XXXX Balance: XXXX is another unverified Charge Off account that has never been validated by any legitimate documentation. XXXX XXXX Date Opened: XXXX, Balance: XXXX has also been reported as a Charge Off without any evidence to support the claim.\n\nEquifax is reporting XXXX XXXX XXXX XXXX, Date Opened: XXXX, Balance: XXXX, showing false late payment data that has never been verified. XXXX XXXX, Date Opened: XXXX, Balance: XXXX is listed as a Collection that is not mine. XXXX XXXX, Date Opened: XXXX, Balance: XXXX, is being reported as a Collection that remains unverified and unauthorized.\n\nIn addition to these inaccurate accounts, Equifax is reporting the addresses XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX which are not associated with me in any way. This false address reporting violates 15 U.S.C. 1681i(a)(5), as it misrepresents my personal identity and fails to meet the standard of maximum possible accuracy required by law.\n\nEquifax is also reporting unauthorized hard inquiries that were made without my consent or any permissible purpose, in violation of 15 U.S.C. 604(a). These include XXXX  dated XXXX and XXXX dated XXXX, which I never authorized or initiated. These inquiries must be removed immediately, as they have adversely affected my credit score and creditworthiness.\n\nEquifaxs continued reporting of these false, unverifiable, and unauthorized items after my initial dispute clearly demonstrates noncompliance with 1681i(a)(5)(B) and 1681s-2(b). Their failure to perform a lawful reinvestigation and delete unverifiable data within 30 days is a direct violation of federal law. As a result, I have suffered financial harm, emotional distress, and reputational damage.\n\nI am requesting that the Consumer Financial Protection Bureau conduct a full investigation into Equifaxs noncompliance with the Fair Credit Reporting Act and compel them to permanently delete all inaccurate, unverified, and unauthorized accounts, addresses, and inquiries listed above. I also request that Equifax provide written confirmation of all deletions and corrections. If Equifax continues to disregard its legal responsibilities, I reserve the right to pursue civil remedies under 1681n and 1681o, including statutory damages, attorneys fees, and punitive relief for willful and negligent noncompliance.\n\nEquifaxs ongoing failure to maintain fairness, accuracy, and integrity in its reporting practices is unacceptable and unlawful. I am demanding immediate corrective action and full compliance with the Fair Credit Reporting Act.'

Company response to consumer: Closed with non-monetary relief