Consumer complaint received 2025-06-24 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: GA

Complaint narrative:
I am submitting this formal complaint against Equifax for their continued failure to properly investigate, correct, and remove inaccurate, outdated, and unverified information on my credit report, despite multiple dispute attempts. The accounts listed below contain serious reporting errors and violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and I demand immediate correction.

1. XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$9800.00} Issue : Late Payments * * Violation of Law : FCRA 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation of disputed information. 
FCRA 1681s-2 ( b ) : Furnishers of information failed to properly investigate after receiving notice from a CRA. 
Explanation : Despite my multiple disputes, Equifax has failed to validate or correct this account which inaccurately reports late payments. I requested verification and supporting documents that justify the delinquencies, which were not provided. The reporting continues to cause harm to my credit profile. This is negligent and damaging reporting. 
2. XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  High Credit : {$550.00} Issue : Collection Account Not Recognized * * Violation of Law : FCRA 1681b : Permissible purpose required I did not authorize this account.

FCRA 1681e ( b ) : Equifax failed to ensure maximum possible accuracy of information. 
Explanation : I do not recognize this account nor have I had any dealings with the creditor associated with this entry. I requested debt validation under the FCRA, but no supporting documentation has ever been provided. This is a completely unknown and fraudulent entry, and its presence is a violation of my rights. 
3. XXXX XXXX Inquiry on XX/XX/XXXX Issue : Unauthorized Hard Inquiry Violation of Law : FCRA 1681b ( c ) : No permissible purpose for accessing my credit.

FCRA 1681b ( f ) : No firm offer of credit or consumer-initiated transaction tied to this inquiry. 
Explanation : I did not authorize XXXX XXXX to pull my credit. No application or business relationship existed that justifies a hard inquiry. This inquiry was done without my consent, damaging my credit score and violating my privacy. Equifax has not taken corrective action even after a formal dispute. 
Background and Supporting Narrative : I am a law-abiding consumer who depends on my credit for personal and professional matters. Over the past months, I have made repeated attempts to resolve these issues directly with Equifax through formal disputes. Despite that, they have continued reporting inaccurate, unverifiable, and unauthorized items. Their failure to properly investigate violates the FCRA and causes ongoing harm, including : Denial of credit Increase in interest rates Emotional and reputational distress Under FCRA 1681i ( a ), Equifax has a statutory obligation to conduct a proper investigation within 30 days of receiving my dispute. This obligation has been consistently neglected in my case.

Relief Sought : 1. Immediate deletion of the unverifiable and inaccurate entries listed above.
2. Written confirmation that the deletions have been made.

3. Equifax to notify all recipients of my report in the past six months of these corrections.

4. Full investigation into Equifaxs FCRA compliance practices in this matter. 
Declaration : I certify that the above information is true and correct to the best of my knowledge. I am requesting the CFPBs assistance in holding Equifax accountable under the FCRA and protecting my consumer rights.

Company response to consumer: Closed with non-monetary relief