Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
This is my third formal complaint regarding this tradeline and Equifax 's willful and repeated refusal to correct or delete inaccurate, misleading, and materially harmful information. 

The account in question is a credit card issued by XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX. The account went into default in XX/XX/XXXX, was charged off in XX/XX/XXXX, and was paid in full in XX/XX/XXXX. Despite this, Equifax continues to report demonstrably false and outdated information, in direct violation of federal law. 

Specifically, Equifax is : XXXX. Continuing to report a balance of {$490.00} for the years XXXX, XXXX, and XXXX despite full payment. 
XXXX. Reporting the status as Charge-Off instead of Paid Charge-Off, as required after full settlement. 
XXXX. Displaying a {$300.00} credit limit through XXXX, even though the account was closed in XX/XX/XXXX. 
XXXX. Omitting accurate payment history and falsely indicating ongoing default, which is factually and legally false. 

These reporting actions are gross violations of : - FCRA 623 ( a ) ( 1 ) ( A ) Duty to report accurate and complete information.

- FCRA 611 ( a ) ( 1 ) ( A ) Duty to conduct a reasonable reinvestigation.

- FCRA 623 ( a ) ( 8 ) ( E ) Prohibition on repetitive, frivolous, or superficial investigations.

- Metro 2 compliance standards, including proper treatment of paid charge-offs and closed tradelines.

Despite three formal disputes, including two prior CFPB complaints, Equifax has maintained these inaccuracies without correction. In the most recent dispute, Equifax closed the investigation in only three ( 3 ) days, with no changes made. That is not a reinvestigation it is a rubber-stamp denial and a clear failure of their obligations under federal law. 

This conduct demonstrates not mere negligence, but willful noncompliance with the Fair Credit Reporting Act. Equifax is knowingly reporting materially false information and refusing to correct it after multiple written notifications. This violates : - FCRA 616 Civil liability for willful noncompliance.

- FCRA 617 Civil liability for negligent noncompliance.

The continued presence of this false information is causing concrete financial harm to me, including damage to my credit score, denials of credit, and reputational injury. I consider this a coordinated and unlawful act of bad faith by Equifax. 

XXXX XXXX XXXX I am demanding the following : - Immediate and permanent deletion of this tradeline from my Equifax credit report ; - A formal written acknowledgment that the item has been removed ; - Assurance that no further reporting of this tradeline will occur.

If this matter is not resolved fully and immediately, I will pursue escalation to the following authorities without further notice : - Federal Trade Commission ( FTC ) - State Attorney General 's Office - Private legal action under FCRA 616617, including for statutory and punitive damages Equifax has had multiple opportunities to resolve this matter in compliance with the law. Their repeated failure to do so is no longer tolerable. I expect full removal of this tradeline and legal accountability for their willful violations of federal law.

Company response to consumer: Closed with non-monetary relief