Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint against Equifax for repeated willful and negligent violations of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and related laws, including failure to maintain accurate information, failure to conduct reasonable investigations into my disputes, and continued reporting of inaccurate data despite irrefutable evidence. These actions have caused me severe ongoing harm, including a damaged credit score, denials of credit for essential needs ( such as a personal loan for medical expenses, business funding for my company XXXX XXXX XXXXXXXX XXXX XXXX, and vehicle financing ), emotional distress XXXX XXXX sleeplessness, humiliation ), and financial losses ( forced to borrow from family at unfavorable terms and incur costs pursuing disputes ). 
The issue involves my XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) account ending in XXXX, opened on XX/XX/XXXX. As of XX/XX/XXXX, the accurate balance was {$2200.00}, as shown on my account statement ( which I have attached as evidence in prior disputes ). However, these credit reporting agencies ( CRAs ) have inaccurately reported the balance as {$2200.00} ( omitting the {$0.00} ), and the account is marked as closed with a {$2000.00} credit limit, resulting in a 100 % utilization ratio that misrepresents my creditworthiness. Furthermore, I believe the balance should be reported as XXXX because the original creditor was likely paid via securitization or insurance write-off, rendering any positive balance misleading and inaccurate. 
I have disputed this inaccuracy multiple times with clear documentary evidence : Prior to XX/XX/XXXX : Sent certified letters from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ) to all three CRAs, demanding deletion of the account due to lack of proof of debt ownership ( TILA, 15 U.S.C. 1641 ( g ) ), failure to investigate ( FCRA 1681i ( a ) ), false reporting ( 1681s-2 ( a ) ), improper charged-off reporting under GAAP/IRS laws, and potential FDCPA violations. No adequate response or correction. 
XX/XX/XXXX : Disputed with XXXX via online portal, attaching the XX/XX/XXXX statement. They verified the incorrect {$2200.00} balance without explanation or addressing my evidence. 
XX/XX/XXXX : Disputed with Equifax via certified mail, including evidence. They verified the incorrect balance, ignoring documentation. 
XX/XX/XXXX : Disputed with XXXX  via online portal, attaching the statement. They responded on XX/XX/XXXX, verifying the balance as reported by XXXX XXXX, without details on their investigation. 
Follow-ups : Reiterated disputes to each CRA, but received no meaningful correction. 
Prior CFPB complaints : Filed against XXXX XXXX Complaint ID : XXXX, XX/XX/XXXX ) and XXXX XXXX XXXXXX/XX/XXXX ), detailing these failuresyet the inaccuracies persist. 

These CRAs have shown a pattern of reckless indifference : ignoring my evidence, providing boilerplate responses, and failing to transparently investigate, in violation of FCRA 1681e ( b ) ( accuracy procedures ), 1681i ( reinvestigation ), and 1681n/o ( willful/negligent noncompliance ). XXXX XXXX, as the furnisher, was notified but verified the inaccuracy, exacerbating the issue. 
Urgency and Escalation : I have already escalated this by filing a lawsuit against XXXX Equifax, XXXX XXXX XXXX XXXX in the XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX of XXXX XXXX, XXXX XXXX ( complaint dated XX/XX/XXXX ; case pending assignment ). The suit seeks over {$100000.00} in actual damages, {$15000.00} in statutory damages, {$150000.00} in punitive damages, plus costs and injunctive relief to delete the inaccurate information. This ongoing litigation underscores the severity of the violations and my intent to pursue all remedies. However, the harm continues dailymy credit is still damaged, preventing me from securing loans and growing my business. I request the CFPB 's immediate intervention to compel these CRAs to correct my reports ASAP, investigate their systemic failures, and facilitate a resolution ( including compensation ) before the court case advances further. Please contact me urgently at XXXX or XXXX to discusstime is critical to mitigate further damage. 

Attachments : Copy of the filed court complaint ( XXXX XXXX XXXX XXXX. XXXX XXXX et al. ). 
XX/XX/XXXX XXXX XXXX account statement showing {$2200.00} balance. 
Copies of certified dispute letters and CRA responses. 
Prior CFPB complaint acknowledgments. 
Recent credit reports showing the inaccuracy.

Company response to consumer: Closed with explanation