Consumer complaint received 2025-07-07 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: CA

Complaint narrative:
I am submitting this formal complaint against Equifax for their continued failure to ensure the accuracy and completeness of the information they report on my consumer credit report. Despite my repeated attempts to dispute and request investigations into multiple inaccurate, incomplete, and outdated accounts, Equifax has willfully refused to conduct reasonable investigations or remove erroneous information. These violations have caused substantial harm to my creditworthiness, financial standing, and emotional well-being. Each of the following accounts has specific issues that I will detail below, along with relevant violations of the Fair Credit Reporting Act ( FCRA ) and applicable federal regulations. 
XXXXXXXX XXXX XXXXXXXX High Balance : {$19000.00} Date Opened : XX/XX/XXXX Issue : Late Payment reporting This account reflects multiple late payments which I have previously disputed with Equifax. These delinquencies are not only inaccurately reported but also unverifiable. I have not received any proper notice or validation of debt from the furnisher or Equifax. Furthermore, no supporting documentation has been provided upon request.

Violations : FCRA 602 ( A ) : Consumer reporting agencies must adopt reasonable procedures to assure maximum possible accuracy.

FCRA 611 ( 15 U.S.C. 1681i ) : Failure to reasonably investigate disputes.

FCRA 623 ( 15 U.S.C. 1681s-2 ) : Furnishers must report accurate information and correct errors once notified.

Summary : Equifax failed to complete a proper reinvestigation and continues to report unverifiable derogatory information that damages my credit profile without justification or legal support. 
XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  High Balance : {$430.00} Date Opened : XX/XX/XXXX Issue : Collection account This is a collection account that is being reported with inconsistent and false information. I have never received any debt validation from XXXX XXXX or Equifax, and there is no signed contract or record tying me to this debt. This account has severely impacted my credit utilization ratio and overall score. Additionally, this collection does not reflect the original creditor 's name or account number, which violates mandatory FCRA reporting requirements.

Violations : FCRA 609 ( a ) ( 1 ) : Failure to provide complete and accurate disclosure of the information in the consumers file.

FCRA 611 ( a ) ( 1 ) ( A ) : Failure to conduct reasonable reinvestigation.

FDCPA 809 ( b ) ( 15 U.S.C. 1692g ) : Collection agencies must validate debts upon request.

Summary : Equifax has allowed an unverifiable and disputed collection to remain on my report despite multiple attempts to remove it and failure by the collector to provide any validation. This is damaging, deceptive, and unlawful.

Legal Grounds and Damages Under FCRA 15 U.S.C. 1681, Equifax is legally obligated to maintain accurate records, conduct timely investigations, and correct errors once notified. Their failure to comply has resulted in significant financial harm, including denials of credit, increased interest rates, and emotional distress. They have ignored the 30-day dispute resolution requirement and allowed multiple accounts to remain on my report in violation of both FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

Equifax 's continued negligence and willful noncompliance clearly establish a pattern of abusive conduct. I am requesting that the CFPB conduct a full investigation into these matters and compel Equifax to : 1. Permanently delete all inaccurate and unverifiable data from my credit report.

2. Provide documented proof of each account 's accuracy.

3. Impose penalties or corrective measures under FCRA/FDCPA provisions.

4. Send me a written response confirming the resolution and actions taken.

Conclusion I have exhausted all internal dispute avenues and Equifax has failed to uphold its legal responsibilities. I urge the CFPB to intervene immediately and hold them accountable for their reckless disregard of federal law and consumer rights.

Company response to consumer: Closed with non-monetary relief