Consumer complaint received 2025-06-07 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: AR

Complaint narrative:
Subject : Formal Complaint Equifax Reporting Outdated/Inaccurate Negative Account ( XXXX XXXX  XXXX in Violation of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am submitting this formal complaint regarding Equifaxs continued reporting of a negative account ( XXXX XXXX  ) on my credit file, which has been removed by both XXXX  and XXXX  due to inaccuracies and because it is now past the permissible seven-year reporting period. Despite my attempts to resolve this matter directly with Equifax, the account remains on my credit report, in violation of federal law. 

Background and Facts The account in question : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Both XXXX  and XXXX  have deleted this account from my credit profile after their investigations confirmed inaccuracies and that the account is older than XXXX years. 

Equifax, however, continues to report this negative item, adversely affecting my creditworthiness. 

Applicable Laws and Regulations Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c ( a ), consumer reporting agencies are prohibited from reporting accounts placed for collection, or other adverse information ( except criminal convictions ), that antedate the report by more than seven years. The law states : No consumer reporting agency may make any consumer report containing accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

[ 15 U.S.C. 1681c ( a ) ( 4 ) ] Furthermore, the FCRA requires credit reporting agencies to maintain reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates [ 15 U.S.C. 1681e ( b ) ]. 

When a consumer disputes the accuracy or completeness of any item of information, the agency must conduct a reasonable reinvestigation and promptly delete or modify information that can not be verified [ 15 U.S.C. 1681i ( a ) ]. 

Summary of Violations Equifax is reporting outdated negative information : The XXXX XXXX account is past the seven-year reporting limit established by the FCRA. 

Failure to ensure accuracy : Both XXXX  and XXXX  have removed the account, indicating that continued reporting by Equifax is inaccurate and unjustified. 

Failure to properly investigate my dispute : My prior disputes to Equifax have not resulted in the required correction or deletion of the account, as mandated by the FCRA. 

Requested Resolution I respectfully request that the CFPB : Investigate Equifaxs continued reporting of this outdated and inaccurate account ; Require Equifax to immediately delete the XXXX XXXX account from my credit report ; Ensure Equifax implements procedures to prevent recurrence of such FCRA violations. 

Conclusion Equifaxs continued reporting of this negative account is in direct violation of the FCRAs seven-year reporting limit and its obligation to ensure the accuracy of consumer credit information. I urge the CFPB to take prompt enforcement action to protect my rights and ensure compliance with federal law. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief