Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/scrub> 2024, I pulled my credit report and noticed inaccurate, incomplete, and unverifiable information being reported on my Equifax credit file, in violation of my rights under federal law. I am deeply concerned that Equifax continues to report erroneous data and has failed to conduct proper reinvestigations as mandated under the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ). These failures have resulted in significant harm to my credit profile and constitute a continued violation of my rights. Since XX/XX/scrub>, 2024, I have sent Equifax 4 dispute letters over the last few months and haven't heard from Equifax at all. In each dispute letter I have made sure to include a copy of my full social security card, Driver license and current utility bill so there are no exceptions of why Equifax hasn't responded to my dispute letters. The following information is what I am disputing. 

1XXXX XXXX XXXXXXXX Account # XXXX This account is inaccurately reporting 6 late payments across all three credit bureaus. I am disputing the inaccuracy of these derogatory remarks and demand that this account be updated to PAANL ( Paid As Agreed, Never Late ).

Due to Inaccurate closed date, Last activity and reported dates. 

2. XXXX XXXX XXXX Account # XXXX This account inaccurately reflects two late payments. I am disputing the inaccuracy of this data and demand this tradeline be updated to PAANL Paid As Agreed, Never Late.

Due to Inaccurate closed date, Last activity and reported dates. 

3. XXXX XXXX Account # XXXX This closed account remains on my report with inaccurate information and has not been properly verified during past disputes. I now demand : A full reinvestigation of this account. 
A detailed method of verification, including : The name of the individual contacted, the date and time of the communication, and a copy of the original signed contract bearing my signature. I now demand this account be deleted in its entirety due to your continued inability to verify its accuracy and completeness Due Inaccurate closed date, Last activity and reported dates. 

4. XXXX XXXXXXXX XXXX Account XXXX XXXX This closed account also contains inaccurate reporting and has not been adequately verified. I demand : A complete reinvestigation, the name, date, and time of the person contacted for verification, and a copy of the original signed contract. I now demand this account be deleted in its entirety due to your continued inability to verify its accuracy and completeness Due to Inaccurate closed date, Last activity and reported dates. 

5. XXXX XXXX, XXXX XXXX XXXX  This closed account also contains inaccurate reporting and has not been adequately verified. I demand : A complete reinvestigation, the name, date, and time of the person contacted for verification, and a copy of the original signed contract. I now demand this account be deleted in its entirety due to your continued inability to verify its accuracy and completeness Do to Inaccurate closed date, Last activity and reported dates. 

6. XXXX XXXXAccount # XXXX This closed account also contains inaccurate reporting and has not been adequately verified. I demand : A complete reinvestigation, the name, date, and time of the person contacted for verification, and a copy of the original signed contract. 
I now demand this account be deleted in its entirety due to your continued inability to verify its accuracy and completeness. I never had a contract with this debt collector for any debt nor know who this debit collector is Due to Inaccurate closed date, Last activity and reported dates.

Legal references : 15 USC 1681i ( a ) ( 5 ) Requires correction or deletion of inaccurate or unverifiable data.

15 USC 1681e ( b ) Ensures duty of maximum accuracy.

15 USC 1681g Entitles me to disclosure of all verification methods and sources.

Due to the ongoing harm and the negligent failure to comply with federal law, I reserve the right to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or pursuing legal action for willful noncompliance under 15 USC 1681n and 15 USC 1681o , which allow for actual and punitive damages.

Please complete this reinvestigation and respond to me in writing within 15 calendar days from the date of this letter, as required by law. Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Equifax failure to conduct proper investigations. Specifically, in a lawsuit filed against Equifax, The CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligation under the FCRA. As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a thorough reinvestigation of disputed items within 30 days

Company response to consumer: Closed with non-monetary relief