Consumer complaint received 2025-09-04 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: FL

Complaint narrative:
I am filing this complaint due to the continued reporting of inaccurate, unverifiable, and derogatory information on my consumer credit reports in violation of the Fair Credit Reporting Act ( FCRA ), the XXXX XXXX ( XXXX  ), and related federal statutes. 

Despite sending formal disputes via XXXX XXXX Mail with Green Return Receipt, the XXXX and furnishers have failed to provide adequate validation, method of verification, or proof of permissible purpose. The accounts in question remain on my report, damaging my credit, reputation, and ability to obtain fair credit. 

Background My Personally Identifiable Information ( PII ), including SSN, was compromised in the Equifax Data Breach, FTC Docket No. XXXX. 

Because of that breach, any continued reliance on compromised data requires heightened scrutiny. 

Federal courts ( see XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and the CFPB enforcement against TransUnion ( Case XXXX ) have held that false verifications and lack of permissible purpose are actionable violations. 

Disputed Accounts Disputed Accounts XXXX. XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX Status : Collection reporting across bureaus Dispute Basis : No evidence of assignment, ownership, or debt validation. XXXX lists XXXX Account while XXXX report as collection, creating inconsistency. No consumer consent for third-party furnishing. 

Violations : FCRA 1681e ( b ) inaccurate/mismatched bureau reporting.

FCRA 1681i ( a ) ( 1 ) failure to verify prior to continued reporting.

FDCPA 1692g no validation within statutory timeframe.

GLBA 6801 ( b ) use of compromised data post-Equifax breach. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXXXXXX Status : Charged off, closed Dispute Basis : Balance of {$1600.00} reported as charge-off while also showing revolving terms. Inconsistent reporting ( XXXX XXXX XXXX showing charge-off ). No XXXX cancellation notice provided. 

Violations : FCRA 1681e ( b ) inconsistent bureau treatment of tradeline. 

FCRA 1681i failure to validate accuracy before publishing. 

GLBA XXXX ( b ). 

XXXX XXXX XXXX ( XXXX XXXX XXXX ) no proof of permissible purpose post-charge-off. 

XXXX. XXXX Card Services Account XXXX XXXX XXXXXXXX Status : Charged off / closed Dispute Basis : {$990.00} balance continues to report post-charge-off. No wet-ink signed contract provided. Inconsistent reporting of delinquency aging ( XXXX shows multiple XXXX  notations, XXXX  shows string of lates ). 

Violations : FCRA 1681e ( b ) inaccurate charge-off continuation.

FCRA 1681i ( a ) ( 5 ) ( A ) failure to correct or remove outdated derogatories. 

GLBA 6801 ( b ). 

XXXX XXXX XXXX XXXX XXXX ( Installment + Revolving ) Account XXXX XXXX XXXXXXXX XXXX XXXXXXXX Status : Closed / Paid ( Installment ) ; Charge-off ( Revolving ) Dispute Basis : Installment account reflects multiple lates despite being paid in full with {$0.00} balance. Revolving shows {$170.00} charge-off but no XXXX furnished. These tradelines are inaccurate, misleading, and punitive. 

Violations : FCRA 1681e ( b ) inaccurate adverse reporting on paid account.

FCRA 1681i failure to correct known errors.

GLBA 6801 ( b ).

FCRA 1681e ( b ) : Failure to assure maximum possible accuracy. 

FCRA 1681i ( a ) ( 1 ) : Failure to conduct a reasonable reinvestigation.

FCRA 1681s-2 ( b ) : Furnishers failing to investigate and correct after notice.

FDCPA 1692g : Failure to validate alleged debts ( for collection accounts ).

GLBA 6801 ( b ) : Mishandling and continued use of compromised nonpublic personal information. 

FTC XXXX XXXX XXXX Unfair and deceptive practices by reporting unverifiable tradelines.

Company response to consumer: Closed with explanation