Consumer complaint received 2025-04-23 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: TX

Complaint narrative:
XX/XX/XXXX To : Consumer Financial Protection Bureau ( XXXX  ) Subject : Formal Complaint Against Equifax for Violations of the Fair Credit Reporting Act ( XXXX  ) Dear CFPB Representative, I am submitting this formal complaint against Equifax Inc. for egregious and ongoing violations of the Fair Credit Reporting Act ( XX/XX/XXXX), stemming from their failure to correct false and unauthorized information on my credit filedespite repeated efforts on my part to resolve these issues through both Equifax directly and the CFPB. 

However, Equifax has since initiated unauthorized Affidavits of Dispute and Consumer Verification ( XXXX  ) to various creditors, falsely asserting that I initiated identity theft or fraud disputes on other accountsallegations I have never made. This misrepresentation began nearly XXXX months after I : Obtained and reviewed my full Equifax credit report, Highlighted and annotated the inaccurate entries, Submitted a formal, itemized dispute letter, Provided all necessary supporting documentation to both Equifax and the CFPB. 

Rather than addressing the inaccuracies, Equifax has escalated the issue by circulating false fraud claimsaffecting multiple creditors. These actions are reckless, unlawful, and materially damaging to my credit standing and financial reputation. 

Despite assurances in XX/XX/XXXX from XXXX XXXX XXXX Servicesspecifically from XXXX, who confirmed that my credit report had been correctedI have now confirmed that Equifax transmitted identity theft or fraud-related ADCVs to multiple creditors, not just XXXX. Most recently, I spoke directly with XXXX  XXXX, who informed me that they received fraudulent ADCVs from Equifax on XX/XX/XXXX, and XX/XX/XXXX, XXXX indicating that I had disputed accounts on the basis of identity theft or fraud. This occurred after I had submitted multiple emails and voicemails to XXXX, who is fully aware of the issue. She previously sent me written confirmation acknowledging that Equifax mishandled my credit reports. Due to these repeated, unauthorized actions by Equifax, I am now being required by multiple creditors to resubmit all supporting documentation, compounding the burden and cost of correcting issues that Equifax itself has created and perpetuated. 

As recently as XXXX weeks ago, I reiterated my complaint with supporting evidence to both Equifax and the CFPB. Equifax continues to violate federal law by misreporting fraudulent activity and perpetuating false information to third parties. 

The consequences have been significant and measurable : Multiple XXXX  XXXX credit card accounts have been closed as a direct result of Equifaxs misreporting, Previously reinstated accounts have been closed again, My credit utilization ratio, payment history, and long-term credit standing have been compromised, Automated payments, including critical services such as XXXX, have failed due to the unlawful account closuresdespite ongoing payment compliance. 

Equifax is in clear violation of multiple provisions of the Fair Credit Reporting Act, including : XXXX XXXX Code XXXX ( a ) Failure to conduct a reasonable reinvestigation XXXX XXXX Code XXXX ( b ) Failure to maintain accurate consumer information XXXX XXXX Code XXXX and XXXX Willful and negligent noncompliance XXXX XXXX Code XXXX Knowingly furnishing false information to third parties Additionally, on XX/XX/XXXX, Equifax issued XXXX written commitment to reimburse {$100.00} per day if the disputed inaccuracies were not resolved within 30 days. I have responded in good faith, submitted all supporting materials, and have yet to receive acknowledgment, correction, or payment. 

Given the severity and persistence of these violations, I am requesting the following corrective and enforcement actions from the CFPB : XXXX intervention to compel Equifax to cease dissemination of false ADCVs and remove all unfounded fraud claims from my credit profile. 

A full investigation into XXXX noncompliance with the FCRA and related federal statutes. 

Enforcement of the contractual reimbursement of {$100.00} per day, effective XX/XX/XXXX, as stipulated in XXXX written guarantee. 

Imposition of statutory damages and penalties for XXXX willful misreporting, negligence, and resulting financial harm. 

Permanent correction and reinstatement of all accounts wrongfully affected by XXXX conduct. 

This pattern of behavior by Equifax is not merely negligentit rises to the level of willful misconduct. Their failure to abide by federal consumer protection laws has caused direct, quantifiable harm to my financial stability, credibility, and access to essential services. 

I urge the CFPB to act swiftly and decisively to protect consumer rights and to hold Equifax fully accountable. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief