Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I, XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ), am filing a formal complaint against Equifax for failing to uphold its obligations under the Fair Credit Reporting Act. Equifax has not responded within 30 days to my credit dispute and has failed to correct or remove multiple inaccurate items on my Equifax credit report. Despite my detailed dispute correspondence ( including a second dispute letter dated XX/XX/year> to XXXX XXXX. XXXX XXXX  XXXX ), Equifax did not conduct a proper reinvestigation as required. The result is that erroneous, derogatory information remains on my report, in clear violation of the FCRA. Equifaxs inaction is unlawful and causing ongoing damage to me, as described below. Inaccurate Accounts Still Reporting : I disputed several accounts with Equifax that are inaccurate, outdated, or unverifiable, yet Equifax has left them on my report without adequate investigation or correction. 

Key examples include : XXXX XXXX XXXX XXXX ( XXXX XXXX ) This account was charged off and is being reported with derogatory status. I challenged this item because it lacks verification and may be reporting incorrectly ( the balance shows {$0.00} with a charge-off notation, which is inconsistent and suspicious ). Equifax never provided any documentation to prove the accuracy or ownership of this XXXX XXXX account. Over 30 days have passed since my dispute, and Equifax neither deleted the entry nor confirmed its legitimacy. The continued presence of this unverified charge-off is a direct violation of Equifaxs duty under the FCRA to report only confirmed accurate information.

XXXX XXXX XXXX XXXX XXXX XXXX A revolving credit account from XXXXXXXX XXXX  with a past due balance ( approximately {$330.00} ) and a status of closed derogatory/charge-off remains on my Equifax file. I disputed this account as potentially erroneous, noting discrepancies in the reported credit limit and balance history that suggest it may not be accurately reporting. Equifax did not correct or remove this account and provided no evidence to validate it. The accounts 7-year history shows multiple 90-day late marks that I believe are incorrect or inflated, yet Equifax left them unaddressed . This indicates Equifax did not properly verify the data with the furnisher or ensure its accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax is reporting a XXXX XXXX secured loan ( Account ending in XXXX ) as Closed Past Due with a history that includes a 30-day late payment. I firmly state that I was never late on this loan. I provided this information in my dispute, expecting Equifax to either verify the late payment with actual evidence or remove the derogatory mark. Instead, Equifaxs so-called resolution left the record unchanged aside from marking the dispute as resolved ( with a comment that the consumer disagrees ). This is not a true resolution ; the false late payment remains, harming my credit and indicating Equifaxs failure to correct an obvious error.

Inaccurate Personal Information In addition to account issues, Equifax has outdated personal data ( such as an incorrect former address and a misspelled name variation ) that I asked to be updated. These inaccuracies, while secondary to the account disputes, further demonstrate Equifaxs sloppy handling of my credit file. Equifax did not fully purge or correct all wrong personal information despite my request, which can contribute to confusion or mixed-file errors. 

Equifaxs handling of my disputes ( or lack thereof ) reflects several serious violations of the FCRA : Failure to Reinvestigate in 30 Days ( 15 U.S.C. 1681i ) : Equifax did not provide results of a reinvestigation within the 30-day window after my initial dispute. Over a month has elapsed with no adequate response. Equifaxs silence and failure to resolve the disputes in a timely manner violate 15 U.S.C. 1681i, which requires prompt investigation and response. Even a second round follow-up dispute letter was met with no proper action. This neglect of duty is a clear breach of the law.

Failure to Ensure Accuracy ( 15 U.S.C. 1681e ( b ) ) : Equifax is reporting information that is demonstrably inaccurate ( e.g., a late payment that never happened, an unverifiable charge-off ). By continuing to report these items, Equifax has not followed reasonable procedures to assure maximum possible accuracy of my credit information. The presence of unreliable data on my Equifax report shows a violation of 1681e ( b ). Equifax should have corrected or removed the errors upon notice ; failing to do so shows negligence in quality control of my file.

Failure to Delete Inaccurate/Unverifiable Data ( 15 U.S.C. 1681i ( 5 ) ) : Under FCRA 1681i ( a ) ( 5 ), Equifax must delete or modify information that can not be verified or is found inaccurate through the dispute process. Equifax has ignored this obligation. The XXXX XXXX and XXXX XXXX charge-offs, and the false late payment on the XXXX XXXX XXXX XXXX remain despite lack of verification. Equifax has provided no proof that these items are correct, yet did not remove them. This is a direct violation of 15 U.S.C. 1681i ( 5 ), as Equifax is retaining information that should be deleted as unverifiable/inaccurate.

Facilitating Furnisher Violations ( 15 U.S.C. 1681s-2 ( b ) ) : Equifaxs inaction also suggests that the furnishers of these accounts did not properly investigate or correct their reporting after my dispute, which violates 15 U.S.C. 1681s-2 ( b ). By not compelling the furnishers to comply or else removing the data, Equifax is effectively allowing those furnishers to flout the law. Equifax is the gatekeeper of my credit report and is responsible for what it publishes; continuing to report information that the furnishers failed to verify means Equifax is complicit in passing along false information in breach of FCRAs requirements.

Ongoing Harm : Equifaxs failure to maintain an accurate report for me has caused significant and ongoing damage. My credit score is being unjustly suppressed by these derogatory entries that should not be there. As a result, I am experiencing difficulty in obtaining credit for instance, I have been denied a credit card and faced embarrassment and inconvenience due to what Equifax reports. Additionally, any credit I do obtain comes with higher interest rates and less favorable terms because lenders see charge-offs and late payments on my Equifax report . This is a direct, tangible harm caused by Equifaxs refusal to follow the law and correct my file. I have spent considerable time and effort trying to fix these issues, to no avail due to Equifaxs non-compliance.

Company response to consumer: Closed with non-monetary relief