Consumer complaint received 2025-04-21 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: FL

Complaint narrative:
I am filing this formal complaint against Equifax for repeated, systemic, and willful violations of the Fair Credit Reporting Act ( FCRA ), including but not limited to failure to conduct reasonable investigations, refusal to respond to lawful Method of Verification ( MOV ) requests, and continued reporting of unverifiable and inaccurate derogatory tradelines. 

The following tradelines are at issue : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FCRA Violations : 15 U.S.C. 1681i ( a ) ( 1 ) : Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide a method of verification upon request 15 U.S.C. 1681e ( b ) : Reporting of inaccurate and contradictory information 15 U.S.C. 1681n and 1681o : Willful and/or negligent noncompliance with FCRA Verified Timeline of Equifax Noncompliance XXXX XX/XX/XXXXXXXX : Equifax verified and updated the XXXX  tradeline . This was in response to a general dispute, not the MOV. No documentation has ever been provided in response to the formal MOV sent by certified mail. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX account was verified and updated without supporting documentation, despite ongoing disputes since XXXX. 
XX/XX/XXXX : I submitted a certified Method of Verification request to Equifax for all three tradelines. To date, Equifax has not responded to this request. 
XX/XX/XXXX : XXXX XXXX dispute was marked as resolved by Equifax, with no documentation disclosed. 
XX/XX/XXXX : I called Equifax and spoke to a representative for 29 minutes. The agent confirmed that the XXXX tradeline had been marked as belonging to me. When I requested evidence, I was told to contact the furnisher directlythis is a direct violation of Equifaxs statutory duty under 1681i ( a ) ( 7 ).

Equifax continues to show only one dispute as pending in their portal, while ignoring the unresolved and legally valid MOV submitted by certified mail. XXXX  screenshots also show payment history contradictions, including accounts reported as " 120 days late '' while also showing " OK '' payment notations across the same time periodclear violations of : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to reinvestigate disputed information 15 U.S.C. 1681s-2 ( b ) : Furnishing inaccurate or unverifiable information after dispute notification Damages : My Equifax credit score has dropped to XXXX, down XXXX points since XX/XX/XXXX. This has resulted in multiple credit denials and tangible financial harm. Equifaxs failure to comply with the FCRA has materially obstructed my ability to obtain credit and has inflicted reputational and economic damage. 

Resolution Demanded : Immediate deletion of the XXXX, XXXX, and XXXX XXXX tradelines from my Equifax report Full disclosure of the procedures and sources used to verify these accounts A written explanation for the absence of any MOV response Monetary compensation for actual, statutory, and punitive damages as permitted under 1681n Final Notice : If Equifax fails to correct these violations and produce all required documentation, I am fully prepared to initiate litigation and pursue all remedies available under the FCRA. 

All documentation, certified mail receipts, dispute letters, credit reports, and screenshots have been preserved for evidentiary use.

Company response to consumer: Closed with non-monetary relief