Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
To Whom It May Concern, I am writing to provide a formal follow-up to my original complaint submitted on XX/XX/year> ( Case # XXXX ), regarding Equifax Information Services LLC and their handling of multiple disputes related to inaccurate, unverifiable, or inconsistent items reported on my credit file.

While Equifax has provided a response, I must state that the outcome is unsatisfactory and fails to fully address or correct several ongoing issues. Below are my specific concerns : Insufficient Verification of Items The accounts from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were marked as " verified, '' yet no documentation or method of verification was provided to me. Under FCRA 611 and 623, I am entitled to see how these debts were verified, including any original creditor documentation.

Incorrect Reporting Maintained Despite my disputes and the corrections made by other bureaus, Equifax continues to report derogatory and inconsistent information on these accounts. Specifically, reporting charge-offs with balances and past due statuses that contradict the facts. 

Lack of Documentation or Validation Equifax failed to provide any tangible proof or response from the data furnishers to substantiate the debts from accounts such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These items were simply marked as " not currently reporting, '' without any explanation as to when and why they were removed, or if the deletion was due to lack of verification. 

Failure to Remove Inaccurate Inquiries The disputed inquiries from XXXX XXXX and XXXX XXXX XXXX XXXX, both dated over two years ago, were marked as " not currently reporting. '' However, I was never informed that they had been removed, nor provided confirmation that they were found to be inaccurately reported in the first place. 

No Redress or Compensation for Documented Harm I have experienced measurable financial harm due to Equifax 's continued inaccurate reporting, including loan denials and elevated interest rates. Equifax 's response of " non-monetary relief '' fails to acknowledge this impact or provide restitution. 

Request for Action : I respectfully request that the CFPB require Equifax to : Provide documented verification of each account marked as " verified, '' including signed contracts, payment history breakdowns, and creditor communication.

Confirm full removal or correction of all unverifiable or inaccurately reported accounts.

Confirm deletion of disputed hard inquiries and provide explanation of the action taken.

Acknowledge the financial harm caused by these reporting errors and offer appropriate remedies.

I appreciate your continued support in ensuring consumer protection and transparency. I have all dispute rounds, correspondence, and supporting documentation ready to furnish upon request. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX DOB : XXXX ( Last XXXX ) : XXXX

Company response to consumer: Closed with non-monetary relief