Consumer complaint received 2025-07-01 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: FL

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint against Equifax for its failure to comply with the Fair Credit Reporting Act ( FCRA ) by continuing to report inaccurate, obsolete, and unverified information on my credit filedespite my previous disputes requesting correction or removal.

The following accounts are being reported by Equifax, and each has significant compliance issues under FCRA : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$4500.00} Charge Off This account is over 7 years old and should have been removed under FCRA 605 ( a ) ( 4 ), which limits the reporting of charge-offs to seven years from the date of first delinquency. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Credit Limit : {$4000.00} Charge Off This account is reporting without proper documentation or accuracy. No verified delinquency date or complete payment history is listed, violating FCRA 1681e ( b ), which requires accurate and complete reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5300.00} Charge Off This item is outdated and unverified. The reporting period has expired based on the age of the debt, and the lack of supporting records violates FCRA 1681i, which requires credit bureaus to conduct a reasonable reinvestigation upon dispute. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$8500.00} Charge Off This account also exceeds the 7-year reporting limit and has not been verified with any documentation. Continued reporting constitutes a violation of FCRA 605 ( a ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Credit Limit : {$7800.00} Charge Off This account remains on my report despite numerous inconsistencies and incomplete data. Equifax has failed to demonstrate its accuracy or reinvestigate it properly in accordance with FCRA 1681i. 

XXXX XX/XX/XXXX Inquiry This hard inquiry was not authorized by me. Under FCRA 604 ( a ) ( 3 ), hard inquiries require the consumers express consent. Equifax has not provided proof of such authorization and continues to allow the unauthorized inquiry to remain. 

I have attempted to resolve these issues directly with Equifax, but they have either failed to respond appropriately or have not removed the erroneous entries. This has caused me financial harm, damaged my credit score, and denied me fair access to financial opportunities. 

I am requesting the CFPB take the following actions : Investigate Equifax for noncompliance with FCRA. 

Ensure Equifax removes the accounts and inquiries that are obsolete, inaccurate, and unverified. 

Require Equifax to provide proper documentation for each disputed item or delete them immediately. 

Thank you for your attention to this matter. I respectfully request enforcement of my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief