Consumer complaint received 2025-09-17 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: NY

Complaint narrative:
I am submitting this complaint because Equifax has failed to properly investigate and correct inaccurate and unverifiable information on my credit report. Despite my repeated disputes, Equifax continues to report damaging accounts that have never been verified with lawful documentation. Under the Fair Credit Reporting Act, Equifax is obligated to ensure maximum possible accuracy, provide the method of verification under 609 and 611, and delete any information that can not be verified. Instead, Equifax has willfully maintained accounts that are unverifiable and incomplete, which is causing me serious financial harm, emotional stress, and denial of fair credit opportunities.

On my Equifax credit file, the following accounts remain without proper validation. XXXX XXXX with high credit of {$8600.00}, date opened XX/XX/XXXX, is reported with late payments that have never been substantiated. XXXX XXXX with balance of {$6300.00}, date opened XX/XX/XXXX, also reflects late payment history but no lawful verification has been provided. XXXX XXXX with balance of {$3700.00}, date opened XX/XX/XXXX, remains on file with damaging late payment information that has not been validated. XXXX XXXX with balance of {$4800.00}, date opened XX/XX/XXXX, continues to appear without proper verification. XXXX XXXX with balance of {$6500.00}, date opened XX/XX/XXXX, has not been supported by any original documentation. XXXX XXXX with balance of {$3600.00}, date opened XX/XX/XXXX, is still reported as late without disclosure of the sources of information as required by FCRA 609 ( a ). XXXX XXXX with balance of {$2100.00}, date opened XX/XX/XXXX, remains unverifiable. XXXX XXXX with balance of {$2200.00}, date opened XX/XX/XXXX, continues to appear on my file despite being outdated and inaccurate. XXXX XXXX with balance of {$2900.00}, date opened XX/XX/XXXX, and XXXX XXXXXXXX with balance of {$3700.00}, date opened XX/XX/XXXX, are both reported with late payments without providing any proof of lawful accuracy. 

In addition to these student loan accounts, XXXX XXXX with balance of {$880.00}, date opened XX/XX/XXXX, continues to be reported with late payments that can not be verified. XXXX XXXXXXXX with high credit of {$0.00}, date opened XX/XX/XXXX, is reported inaccurately with negative history without any supporting documents. XXXX XXXX XXXX, a collection account with balance of {$7100.00}, date opened XX/XX/XXXX, is being reported without proof of ownership, assignment, or validation, which is a violation of FCRA 604 requiring permissible purpose and 611 requiring deletion if not verified. XXXX XXXXXXXX with balance of {$11000.00}, date opened XX/XX/XXXX, is reported as late without any evidence of verification or contract, making it an unlawful and unverifiable entry. 

Equifax is also reporting an inquiry from XXXX dated XX/XX/XXXX, which was not authorized and has no permissible purpose under FCRA 604. This inquiry is damaging and unlawful, and Equifax has not shown any legal basis for allowing it on my file.

Equifax has not provided the method of verification, has not identified the sources of the information, and has continued to report unverifiable and damaging information despite multiple disputes. This constitutes a violation of FCRA 607 ( b ), 609, and 611, and also amounts to willful noncompliance under 616 and 617, which exposes Equifax to liability. I am requesting that the CFPB investigate this matter, require Equifax to remove these unlawful accounts and inquiry, and hold the company accountable for its repeated failure to comply with federal law.

Company response to consumer: Closed with non-monetary relief