Consumer complaint received 2025-03-20 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: TX

Complaint narrative:
Subject : Formal Complaint Against Equifax for Violations of 15 U.S. Code 1681o Dear CFPB, I am submitting this formal complaint against Equifax Information Services LLC for negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o. Despite my previous attempts to resolve this matter directly with Equifax, they have failed to correct inaccurate/remove information on my consumer report, causing significant harm to my financial standing.

Details of the Complaint : Credit Reporting Agency : Equifax Information Services LLC Nature of the Violation : Negligent failure to investigate and correct inaccurate information in violation of 15 U.S. Code 1681i.

Details of the Inaccuracy : Please see listed the specific errors within my credit report including : incorrect charge-off, false late payment, fraudulent account, duplicate reporting, incorrect balance, etc. 
Acct # XXXX XXXX XXXX XXXX {$43.00} How can a closed acct report with a monthly payment? Delete this account immediately. 

Acct # XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXXXXXX ) {$710.00} I have never had a contract with this company and they are reporting on my consumer report without permission and/or proving they have been assigned or purchased the account. Delete this account immediately. 

Acct # XXXX XXXX- XXXX XXXX XXXX XXXX Inaccurate : how is the acct closed but still reporting with a monthly payment? It is closed so there is obviously no activity! Delete immediately. 

Acct # XXXX $ XXXX XXXX collector is reporting the collection account as open. Delete for false, misleading and inaccurate information on my consumer report. 

Acct # XXXX XXXX XXXX {$5400.00} Violation : charge offs are transactions/experiences and neither report on a consumer report. Delete for immediately. 

Acct # XXXX XXXX XXXX $ XXXX charge offs are transactions/experiences and neither report on a consumer report. Delete for immediately. 

Acct : XXXX XXXX XXXX ( Original Creditor : Townhomes at XXXX XXXX XXXX - $ XXXX Debt collector is reporting a balance higher than the highest balance from the original creditor. Information is misleading/inaccurate, misrepresenting the alleged amount owed and unfair practices. Delete for multiple violations. 
In addition, collection agency failed to file surety bond and is attempting to collect a debt and is in violation of XXXX XXXX XXXX XXXX. ( See attachment below ) Stop all collection activity remove this account immediately from my consumer report. 

ACCT # XXXX XXXX XXXX  XXXX XXXX creditor is reporting a monthly payment on a closed account and XXXX is reporting higher than the highest balance. Delete for multiple violations. 

Americollect- Acct # XXXX ( XXXX XXXX : Renown Health ) Multiple violations including date opened is different from date last active because it is misleading me as a consumer or extends how long the alleged debt appears on my consumer report. Delete account for violation. See proof in attachments. 

Repeated violation- debt collector is attempting to collect a debt without a surety bond, and is in violation of Texas Finance Code 392.101. Remove this account immediately. 

Although I initially disputed these inaccuracies, I no longer have the original dispute records. However, Equifax was obligated to properly investigate my dispute and provide an accurate resolution, which it has failed to do. 
Equifax has not provided any evidence that a proper investigation was conducted or that it verified the accuracy of the disputed account. 
As of today, the incorrect information remains on my credit report, negatively affecting my financial standing. 
Date of Second Dispute [ XX/XX/XXXX ] See letter of dispute. 
Equifax is in violation of multiple violations including failure to respond, conducted an inadequate investigation, or reinserted deleted information without notifying me. 

Violations Committed by Equifax : XXXX. Failure to Conduct a Reasonable Investigation Under 15 U.S. Code 1681i, Equifax is required to conduct a thorough reinvestigation of disputed items. Their failure to do so constitutes negligent noncompliance under 1681o. 
XXXX. Failure to Ensure Maximum Possible Accuracy The FCRA mandates Equifax to maintain accurate consumer credit files, yet they continue to report erroneous information. 
XXXX. Failure to Provide Corrective Actions Despite multiple disputes, Equifax has failed to remove or correct the inaccurate information, causing financial harm. 
Damages Incurred Due to Equifaxs Negligence : As a result of Equifaxs failure to comply with 1681o, I have suffered : A lower credit score leading to loan denials and increased interest rates.

Financial hardship from being wrongfully penalized for false information.

Emotional distress due to the frustration of dealing with inaccurate reporting.

Requested Action by the CFPB : I request the CFPB to : 1. Investigate Equifax for violations of the FCRA, specifically 15 U.S. Code 1681o. 
XXXX. Enforce corrective action to ensure Equifax properly investigates and corrects inaccuracies on my credit report. 
XXXX. Hold Equifax accountable for noncompliance, including potential fines and damages. 
I have attached copies of my previous dispute letters and supporting documentation for your review. Please provide an update on any actions taken against Equifax in response to this complaint. 
I appreciate your time in addressing this matter and look forward to your prompt response. If additional information is needed, I am available at the contact details listed above. 
Sincerely, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX SSN- XXXX DOB- XX/XX/XXXX Equifax XXXX Department XXXX XXXX XXXX XXXX, GA XXXX Equifax. 

I am writing to again inform you that your CRA is in continuous violation of my consumer rights. I have requested that you complete a proper investigation to no avail. Your continued failure to do so will lead to further legal action due to willful noncompliance. Your continuous reporting of inaccurate information to my consumer report is multiple violations of the FDCPA, FCRA and most importantly my consumer rights! I have relentlessly even though pointless continued disputing to no avail. I demand you follow instructions regarding the listed disputes. 

Acct # XXXX XXXX XXXX XXXX {$43.00} How can a closed acct report with a monthly payment? Please update to reflect $ 0 monthly payment. Delete immediately. 

Acct # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) {$710.00} I have never had a contract with this company and they are reporting on my consumer report without permission and/or proving they have been assigned or purchased the account. Delete this account immediately. 

Acct # XXXX XXXXXXXX  XXXX XXXX XXXX XXXX Inaccurate : how is the acct closed but still reporting with a monthly payment? It is closed so there is obviously no activity! Please update to reflect $ 0 monthly payment. Delete immediately. 

Acct # XXXX $ XXXX XXXX collector is reporting the collection account as open. Delete for false, misleading and inaccurate information on my consumer report. 

Acct # XXXX XXXX XXXX {$5400.00} Violation : charge offs are transactions/experiences and neither report on a consumer report. Delete for immediately. 

Acct # XXXX XXXX XXXX $ XXXX charge offs are transactions/experiences and neither report on a consumer report. Delete for immediately. 

Acct : XXXX XXXX XXXX ( Original Creditor : Townhomes at XXXX XXXX XXXX - $ XXXX Debt collector is reporting a balance higher than the highest balance from the original creditor. Information is misleading/inaccurate, misrepresenting the alleged amount owed and unfair practices. Delete for multiple violations. 
In addition, collection agency failed to file surety bond and is attempting to collect a debt and is in violation of Texas Finance Code 392.101. ( See attachment below ) Stop all collection activity remove this account immediately from my consumer report. 

ACCT # XXXX XXXX- $ XXXX XXXX creditor is reporting a monthly payment on a closed account. Balance is reporting higher than the highest balance. Delete for multiple violations. 

Americollect- Acct # XXXX ( Original Creditor : Renown Health ) Multiple violations including date opened is different from date last active because it is misleading me as a consumer or extends how long the alleged debt appears on my consumer report. Delete account for violation. 

Repeated violation- debt collector is attempting to collect a debt without a surety bond, and is in violation of Texas Finance Code 392.101. Remove this account immediately.

I demand a proper investigation. Willful noncompliance by parroting other data furnishers avoids accuracy. You are required to complete your own independent verification.

Failure to comply with will be yet another violation under 1 USC 1681 ( n ) making XXXX liable for statutory and punitive damages. 

Respond accordingly to FCRA within the 30-day guidelines. Providing tactics to stall will also be considered willful noncompliance. 

Thanks! 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief