Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against Equifax Information Services LLC for its repeated failure to accurately maintain and investigate the information appearing on my credit report, despite multiple attempts to resolve these inaccuracies. My consumer rights under the Fair Credit Reporting Act ( FCRA ) have been consistently violated, and I am requesting immediate action and regulatory intervention by the CFPB.

Summary of Complaint : I have attempted to dispute several inaccurate and misleading items on my Equifax credit report, including charge-offs, inaccurate payment histories, and hard inquiries. However, Equifax has failed to conduct a reasonable investigation under FCRA 611 ( a ) and continues to report these accounts without proper verification or correction. Furthermore, Equifax is in violation of FCRA XXXX, which mandates fair and accurate credit reporting, and FCRA 607 ( b ), which requires Equifax to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 
Below are the specific accounts and issues : XXXX. XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$0.00} Issue : Charge Off Despite the balance being {$0.00}, this account is still reported as a charge-off, which is misleading and damaging to my credit reputation. 
Violation : FCRA 602, 607 ( b ), 611 ( a ) 2. XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5800.00} Issue : Charge Off This account is inaccurately listed as a charge-off with an unresolved balance, without any supporting documentation from the original creditor. 
Violation : FCRA 607 ( b ), 611 ( a ), 623 XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$8200.00} Issue : Charge Off I dispute the accuracy of this charge-off. The creditor has not verified the validity of the reported amount, and Equifax has failed to properly investigate. 
Violation : FCRA 611 ( a ), 607 ( b ) XXXX. XXXX XXXX Account # : XXXX * Date Opened : XX/XX/XXXX High Balance : {$2200.00} Issue : Late Payment This account is reporting past-due payments without any evidence or supporting billing records. 
Violation : FCRA 611 ( a ), 607 ( b ) XXXX. XXXX XXXX Account # : XXXX * Date Opened : XX/XX/XXXX High Balance : {$1700.00} Issue : Late Payment Equifax has continued to report this delinquency even though I submitted documentation disputing the accuracy of this information. 
Violation : FCRA 611 ( a ), 607 ( b ) 6. DEPT OF ED / XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$2000.00} Issue : Late Payment The reported delinquencies are inaccurate. I requested validation, and Equifax failed to provide any documented evidence or perform a proper reinvestigation. 
Violation : FCRA 611 ( a ), 623 7. XXXX XXXX Account # : XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$2600.00} Issue : Late Payment Reporting on this account has remained unchanged despite my formal dispute. I believe Equifax is not complying with FCRA reinvestigation procedures. 
Violation : FCRA XXXX ( a ), XXXX ( b ) XXXX. XXXX XXXX XXXX  XXXX  Inquiry Date : XX/XX/XXXX Issue : Unauthorized Hard Inquiry This inquiry appears on my credit report without my authorization or any permissible purpose under FCRA 604. I never applied for any credit with XXXX XXXX XXXX XXXX. 
Violation : FCRA 604, 607 ( a ), 611 ( a ) Request for Relief : Immediate deletion or correction of the above-mentioned accounts. 
A complete reinvestigation of all disputed items, with proper validation from original creditors. 
Written confirmation that Equifax has complied with all FCRA obligations regarding this complaint. 
Full documentation related to all investigations conducted thus far, including communications with data furnishers. 
I request the Consumer Financial Protection Bureau to intervene and ensure that Equifax complies with federal law. Equifaxs failure to investigate thoroughly and report accurately has caused substantial harm to my creditworthiness and financial well-being.

Company response to consumer: Closed with non-monetary relief