Consumer complaint received 2025-07-01 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:
To Whom It May Concern, I am filing a formal complaint against Equifax for gross violations of the Fair Credit Reporting Act ( FCRA ), continued inaccurate reporting despite prior disputes, and severe negligence in maintaining and correcting my personal consumer credit file. I have previously disputed these items with Equifax, but they continue to report erroneous and unverified information. I am demanding immediate investigation and full deletion of the below-listed inaccurate and harmful items : XXXX XXXX XXXX XXXX XXXX Charge Off * * Issue : This account is inaccurately reported as charged-off. Moreover, it has also been listed under " XXXX XXXX XXXX XXXX XXXX XXXX XXXX  '' as a collection account, creating a duplicate entry for the same debt.

Law Violated : FCRA 607 ( b ), 605 ( a ), FDCPA 807 ( 8 ) Story : I only had one account with this lender, yet Equifax is reporting it as both an original charge-off and a separate collection account. This is deceptive, misleading, and artificially worsens my credit score. Equifax failed to verify the accuracy of this duplication even after I disputed it with supporting documents. The double listing violates my consumer rights and harms my ability to obtain credit. 
XXXX XXXX Late Payment * Issue : The reported late payment is inaccurate and does not reflect my actual payment history.

Law Violated : FCRA 607 ( b ), 611 ( a ), 15 U.S. Code 1681i Story : I always made timely payments, and the reported delinquency was due to a bank processing delay, not my fault. I provided Equifax with documentation showing payment receipts, but they failed to conduct a reasonable investigation. The continued presence of this incorrect late payment is damaging my creditworthiness. 

XXXX XXXX XXXX XXXX Charge Off * * Issue : This account was settled in good faith, yet Equifax continues to list it as a charge-off.

Law Violated : FCRA 607 ( b ), FDCPA 807 ( 2 ) ( A ) Story : I negotiated and paid a reduced settlement amount with the creditor. Per the law, this account should reflect Settled or Paid in full for less than full balance. Reporting it as a charge-off misrepresents the nature of the resolution and portrays me as having defaulted, which is false. 

XXXXXXXX XXXX XXXX XXXX Charge Off * * Issue : The account was closed and paid before being listed as charged-off.

Law Violated : FCRA 607 ( b ), 15 U.S.C. 1681s-2 Story : I paid off this account in full and never missed a payment. However, Equifax is reporting it as a charge-off. I have sent payment confirmation multiple times and requested reinvestigation, which was ignored. This constitutes gross negligence and data mismanagement. 

XXXX XXXX XXXX XXXX Charge Off * * Issue : The account shows a {$0.00} balance but is marked as charged-off, which is a contradiction.

Law Violated : FCRA 607 ( b ), 611, FDCPA 807 Story : Reporting a charge-off on an account with no owed balance is misleading. There was no delinquency or default. I believe this is either a reporting error or a system glitch, but Equifax has failed to correct it after being notified.

XXXX XXXX XXXX XXXX XXXX Charge Off * * Issue : The vehicle loan was part of a COVID-19 hardship arrangement that was not respected in reporting.

Law Violated : FCRA 607 ( b ), CARES Act 4021 Story : I was under an approved hardship program, and my payments were deferred. According to the CARES Act, creditors must maintain accounts as current during accommodation. Equifax still marked the account as a charge-off, violating federal protections granted during the pandemic. 

XXXX XXXX XXXX XXXX XXXX XXXX Charge Off * * Issue : Account was settled voluntarily, yet listed as a charge-off.

Law Violated : FCRA 607 ( b ), FDCPA 807 Story : I returned the vehicle voluntarily and negotiated the remaining balance. This should not be treated as a default or charge-off. Equifaxs refusal to reflect the correct status is not only misleading but unlawful. 

XXXX XXXX XXXX XXXX Charge Off * * Issue : Duplicate reporting exists under " XXXX XXXX XXXX XXXX XXXX XXXX '' for the same debt. 
Law Violated : FCRA 607 ( b ), FDCPA 808 ( 1 ) Story : This is an example of double jeopardy reporting the same account as both the original creditor and a collection account. Equifax has failed to ensure data integrity and continues to damage my credit history with false entries. 

XXXX XXXX XXXX Charge Off * * Issue : Account was paid in full directly to XXXX  ; charge-off status is incorrect.

Law Violated : FCRA 607 ( b ), 611 Story : I have provided confirmation of payment to Equifax. The account never went to collections. Yet, it is listed as charged-off, which is deceptive and severely impacting my creditworthiness. 

XXXXXXXX XXXX XXXX Late Payment * * Issue : Late payments reported are incorrect due to billing system error.

Law Violated : FCRA 607 ( b ), FDCPA 807 Story : There was a temporary issue in the creditor 's billing system that delayed payments. This issue was rectified quickly, and payments were not more than 30 days late. Equifax has been negligent in investigating this dispute despite being notified. 

XXXX XXXX XXXX XXXX XXXX Charge Off * * Issue : This was a disputed account under voluntary repossession, not charge-off.

Law Violated : FCRA 611, 607 ( b ) Story : I entered into a voluntary repossession due to financial hardship. Instead of accurately updating the account, Equifax falsely reported it as a charge-off without verifying the details. 

XXXX XXXX XXXX Charge Off * * Issue : Identity theft suspected. Account not opened by me.

Law Violated : FCRA 605B, 609 Story : I filed an identity theft report and submitted supporting documentation to Equifax. No proper reinvestigation was conducted. The continued presence of this fraudulent account is unacceptable and violates my rights under FCRA. 

XXXX XXXX Charge Off * Issue : Unauthorized account never initiated or used by me.

Law Violated : FCRA 605B, FDCPA 809 Story : This account was likely opened through identity theft or reporting error. Equifax was informed but took no steps to verify ownership or correct the error. 

XXXX XXXX XXXX XXXX XXXX Charge Off * * Issue : Duplicate of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Law Violated : FCRA 607 ( b ), 611 Story : This entry duplicates the original creditor listing, making it appear I defaulted twice. This is unfair and damaging to my credit score. Equifax failed to detect or act on this double reporting. 

XXXX XXXX XXXX XXXX XXXX Charge Off * * Issue : Debt is not mine ; possible case of mixed file or fraud.

Law Violated : FCRA 609 ( c ) ( 2 ), 605B Story : I disputed this debt as not belonging to me, and Equifax did not validate or remove it. This failure shows complete disregard for consumer protection protocols. 

XXXX XXXX XXXX XXXX XXXX  Collection * * Issue : This debt was paid in full in the past and is now reinserted without notice.

Law Violated : FCRA 611 ( a ) ( 5 ), FDCPA 807 Story : Re-inserting old debt without proper certification and notification is illegal. This is a deliberate act to damage my credit unjustly. 

XXXXXXXX XXXX XXXX Collection * * Issue : Debt is older than 7 years and legally obsolete.

Law Violated : FCRA 605 ( a ) ( 4 ) Story : This should have been automatically removed based on the date of first delinquency. Equifax is violating aging requirements by reporting this outdated account. 

XXXX XXXX XXXX XXXX XXXX Collection ( Duplicate Entry ) * * Issue : This is a second entry with same details but different amounts.

Law Violated : FCRA 607 ( b ), FDCPA 807 ( 2 ) ( A ) Story : Equifaxs system has duplicated the account under slightly different data, which falsely inflates my debt load and misrepresents my credit. 

XXXX XXXX XXXX Collection * * Issue : Fraudulent account. Not opened by me.

Law Violated : FCRA 605B, 609 Story : I have filed an identity theft affidavit and a police report. Equifax has not complied with the requirement to block or remove this disputed account. 

XXXX XXXX XXXX XXXX Collection * * Issue : Duplicate of XXXX XXXXXXXX account. 
Law Violated : FCRA 607 ( b ), FDCPA 808 Story : This is a collection for an account already reported as charged-off. Reporting both violates data integrity and unfairly punishes me for the same debt twice. 

XXXX XXXX XXXX XXXX Collection * * Issue : This is a completely unauthorized and fraudulent account.

Law Violated : FCRA 605B, 611 Story : I never opened this account and believe it was created due to identity theft. Equifax has ignored all previous disputes and failed to comply with the law.

I request that the Consumer Financial Protection Bureau investigate these repeated and willful violations of federal law. Equifax has continuously failed to meet its legal responsibilities under the FCRA and FDCPA, and I am requesting all inaccurate items be permanently removed from my report and appropriate penalties be applied to Equifax for negligence, non-compliance, and allowing harm to my financial reputation and livelihood.

Company response to consumer: Closed with non-monetary relief