Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this formal complaint against Equifax Information Services, LLC for willfully and negligently violating the Fair Credit Reporting Act ( 15 U.S.C. 1681i ).

Specifically, Equifax failed to complete my reinvestigation within the 30-day statutory deadline, as required by law, and continued to report false and unverifiable data during and after that period.

Under FCRA 611 ( a ) ( 1 ) ( A ), Equifax is required to complete a reinvestigation and provide the consumer with written results no later than 30 days after receiving a dispute.

My dispute was filed in compliance with all procedural requirements, yet Equifax took longer than 30 days to respond, directly violating federal law.

This unlawful delaycombined with their continued publication of inaccurate and damaging informationconstitutes a clear and deliberate disregard for consumer rights and has materially harmed my creditworthiness.

Equifax received my dispute identifying multiple inaccurate, unverifiable, and misleading accounts that are being reported under my name.

Despite having the full legal timeframe to investigate and correct these errors, Equifax : Failed to provide results within 30 days, as mandated by FCRA.

Continued to report derogatory data after the legal period expired.

Failed to verify the accounts with the original furnishers, violating both procedural accuracy and timeliness requirements.

This unlawful delay itself is an actionable violation. The FCRA does not permit extensions or silence beyond 30 days, and Equifaxs non-response constitutes willful noncompliance.

Below are the disputed accounts extracted directly from my Equifax credit file : Accounts in Question XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Status : Derogatory / Collection / Charge-Off Balance : {$2400.00} Issue : Unverified charge-off ; inconsistent delinquency reporting including false XXXX late entries and ongoing publication of unverifiable derogatory data CITI Account # : XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Status : Derogatory / Charge-Off Balance : {$1200.00} Issue : Improper late-payment reporting, unverifiable charge-off status, and continued false notation beyond 30 days in violation of FCRA standards XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Status : Derogatory / 120 Days Late / Collection Balance : {$3700.00} Issue : Improper XXXX late and collection statuses reported without substantiation ; unverifiable ownership and activity dates Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax was legally required to complete its reinvestigation within 30 days of receiving my dispute.

Failure to do so is an independent violation of federal law.

Equifaxs conduct also violates : FCRA 1681e ( b ) : for failing to ensure maximum possible accuracy of reported information ; and FCRA 616 and 617 : for willful and negligent noncompliance, respectively.

By exceeding the 30-day statutory period and continuing to report unverifiable and false informationincluding late-payment notationsEquifax has willfully disregarded federal consumer-protection laws and caused measurable harm to my financial credibility.

Company response to consumer: Closed with non-monetary relief