Consumer complaint received 2025-10-08 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: CA

Complaint narrative:
This is my fourth dispute with Equifax. Despite multiple previous disputes, you continue to knowingly report false, unverifiable, and contradictory information on my consumer credit file. This is a willful violation of FCRA 611 ( 15 U.S.C. 1681i ) and FCRA 623 ( 15 U.S.C. 1681s-2 ), as well as noncompliance with Metro 2 reporting standards. 

Given Equifaxs history of the massive data breach compromising consumer information, your continued mishandling of my file is unacceptable and unlawful. If you can not provide legally verifiable documentation for each account, you must immediately and permanently delete them. 

Below, I list each disputed account separately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am demanding permanent deletion of this account from my credit file. You continue to report false and misleading data in violation of 15 U.S.C. 1681e ( b ) and 1681i. This account is closed and paid, yet you knowingly publish derogatory late payments and negative status coding that you can not lawfully verify. Your refusal to correct this despite prior disputes constitutes willful noncompliance with the Fair Credit Reporting Act and Metro 2 reporting standards. The continued reporting of derogatory remarks on a {$0.00} balance account is inaccurate, incomplete, and deceptive. Equifax, Experian, and TransUnion show conflicting and inconsistent reporting, proving that the data can not be fully substantiated. Because my personal data was already compromised in the Equifax breach, your ongoing refusal to reinvestigate further compounds the harm. I am demanding immediate and permanent deletion of this entire account. If you can not lawfully verify with complete accuracy, you must delete. Any further refusal to comply will be treated as a continued willful violation of federal law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am demanding permanent deletion of this account from my credit file. You continue to report false, misleading, and inconsistent data in violation of 15 U.S.C. 1681e ( b ) and 1681i. This account is closed and paid, yet you knowingly publish damaging late payment remarks without lawful verification. Your refusal to correct this despite multiple disputes constitutes willful noncompliance with the Fair Credit Reporting Act and Metro 2 standards. The continued reporting of derogatory lates on a {$0.00} balance account is inaccurate, incomplete, and can not be substantiated. Reporting this as negative while showing no open obligation is deceptive and places me at unfair harm. Given the Equifax data breach and your repeated failure to properly reinvestigate, you have no authority to maintain unverifiable information. I am demanding immediate and permanent deletion of this entire account from my credit report. If you can not fully and lawfully verify with complete accuracy, you must delete. Your failure to act will be treated as a continued willful violation of federal law. 

XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX I am demanding permanent deletion of all derogatory remarks tied to this account. You continue to report false and inconsistent information on my credit file in violation of 15 U.S.C. 1681e ( b ) and 1681i. You have had multiple disputes and ample time to verify accuracy, yet you continue publishing damaging late payment notations that you can not substantiate. This constitutes willful noncompliance and reckless disregard of your duties under the Fair Credit Reporting Act and Metro 2 standards. Given the Equifax data breach and your repeated failure to properly reinvestigate, you no longer have any lawful authority to report unverifiable or misleading data. I am demanding immediate and permanent deletion of the inaccurate late payment history and correction of this account to reflect Pays As Agreed. If you can not lawfully verify with complete accuracy, you must permanently delete the entire account. Your repeated refusal to comply proves intentional negligence. I demand that this account be updated immediately to positive status or deleted permanently for failure to comply with federal law. 

XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX I am demanding permanent deletion of this collection account from my credit file. This account has already been paid and satisfied, yet you continue to knowingly report it as derogatory. That is a clear violation of 15 U.S.C. 1681e ( b ), requiring maximum possible accuracy, and 15 U.S.C. 1681i, requiring proper reinvestigation. Reporting a paid collection as negative is deceptive, misleading, and can not be substantiated under Metro 2 compliance standards. Equifax and Experian no longer report this tradeline, yet TransUnion continues to publish damaging and inconsistent information. This conflicting reporting proves that the data is unverifiable. The Equifax data breach already placed me at risk, and your ongoing failure to correct this error compounds the harm. I am demanding immediate and permanent deletion of this entire collection account. Any refusal to comply will be treated as willful noncompliance and reckless disregard of consumer rights under the FCRA. If you can not verify with complete accuracy, you must delete. This is my final demand before escalation. 

XXXX - XX/XX/XXXX I did not authorize this inquiry, and under 15 U.S. Code 1681b, you must have permissible purpose to access my credit report. You failed to provide valid, signed authorization, making this an illegal inquiry. Additionally, as a victim of a data breach, my personal information has been compromised, further proving that this inquiry is fraudulent. If you can not produce legally verifiable proof of authorization, DELETE IT IMMEDIATELY or face regulatory action. 

Incorrect XXXX - XX/XX/XXXX You are reporting multiple discrepancies in my personal information, which is a clear violation of 15 U.S. Code 1681e ( b ). You are required to ensure maximum possible accuracy in my file. Incorrect names, addresses, and other personal data create identity confusion and credit risk, violating 15 U.S. Code 1681c. You have NO permissible purpose to maintain outdated or inaccurate data. IMMEDIATELY DELETE all incorrect personal information and provide written confirmation of the corrections. 

Incorrect Address - XXXX XXXX XXXX, XXXX, CA, XXXX You are reporting multiple discrepancies in my personal information, which is a clear violation of 15 U.S. Code 1681e ( b ). You are required to ensure maximum possible accuracy in my file. Incorrect names, addresses, and other personal data create identity confusion and credit risk, violating 15 U.S. Code 1681c. You have NO permissible purpose to maintain outdated or inaccurate data. IMMEDIATELY DELETE all incorrect personal information and provide written confirmation of the corrections. 

Incorrect Address - XXXX XXXX XXXX, XXXX, CA, XXXX You are reporting multiple discrepancies in my personal information, which is a clear violation of 15 U.S. Code 1681e ( b ). You are required to ensure maximum possible accuracy in my file. Incorrect names, addresses, and other personal data create identity confusion and credit risk, violating 15 U.S. Code 1681c. You have NO permissible purpose to maintain outdated or inaccurate data. IMMEDIATELY DELETE all incorrect personal information and provide written confirmation of the corrections. 

EMPLOYER - XXXX XXXX XXXX You are reporting multiple discrepancies in my personal information, which is a clear violation of 15 U.S. Code 1681e ( b ). You are required to ensure maximum possible accuracy in my file. Incorrect names, addresses, and other personal data create identity confusion and credit risk, violating 15 U.S. Code 1681c. You have NO permissible purpose to maintain outdated or inaccurate data. IMMEDIATELY DELETE all incorrect personal information and provide written confirmation of the corrections. 

As an Equifax Data Breach victim, my personal information was already compromised due to their prior negligence. Their continued failure to maintain accurate data and refusal to properly reinvestigate causes ongoing harm, credit denials, and reputational damage. This pattern of mishandling proves systemic disregard for consumer accuracy obligations under federal law. 

I have made multiple good-faith attempts to resolve these issues directly with Equifax. Instead, they have ignored factual evidence and refused to provide legally verifiable documentation to support the continued reporting of these disputed items. This constitutes a willful and knowing violation of the FCRA.

Company response to consumer: Closed with non-monetary relief