Consumer complaint received 2025-07-08 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: MO

Complaint narrative:
I am filing this complaint against Equifax for their continued failure to maintain accurate and verifiable information in my credit report despite multiple disputes. Equifax has knowingly allowed erroneous, outdated, and unverified derogatory information to remain on my report, which has caused me significant emotional, financial, and reputational harm. The information in question includes accounts that are inaccurately reporting late payments and charge-offs, and Equifax has violated federal laws by failing to conduct a reasonable reinvestigation as required by the Fair Credit Reporting Act ( FCRA ). I am listing each account below with the specific issues and applicable legal violations : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$2000.00} Issue : This account is reporting late payments that are inaccurate and unverified. I have disputed this account, yet Equifax failed to properly investigate or validate the payment history. This is a violation of FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a reinvestigation of disputed information, and FCRA 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy in consumer reporting. The continued reporting of inaccurate late payments is damaging my creditworthiness and is not supported by factual documentation or verification from the furnisher. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$21000.00} Issue : This account is inaccurately reporting late payments without proper verification. I have made formal disputes and requested documentation showing validation of the derogatory status, but Equifax continued to report the account negatively without verifying its accuracy. This constitutes a violation of FCRA 15 U.S.C. 1681i ( a ) ( 5 ), which mandates deletion or correction if an item is found to be inaccurate or unverifiable. It also violates 15 U.S.C. 1681e ( b ) for failure to ensure the maximum possible accuracy. 
XXXX XXXX * * Date Opened : XX/XX/XXXX High Balance : {$17000.00} Issue : This account is being reported as a charge-off, but I have disputed this status and requested verification and documentation from Equifax, which they have failed to provide. The failure to delete or correct this charge-off when no proper validation has been presented is a clear violation of FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 15 U.S.C. 1681e ( b ). Reporting a derogatory item without proof of liability or validation of debt is unlawful and misleading. 
Equifaxs failure to meet their statutory responsibilities as a credit reporting agency has resulted in the ongoing publication of inaccurate and damaging data about me. I believe Equifax is in violation of multiple sections of the Fair Credit Reporting Act including, but not limited to, FCRA 15 U.S.C. 1681i ( failure to conduct a reasonable reinvestigation ), FCRA 15 U.S.C. 1681e ( b ) ( failure to assure maximum possible accuracy ), and FCRA 15 U.S.C. 1681c ( reporting outdated and obsolete information, where applicable ). 
I respectfully request the Consumer Financial Protection Bureau to investigate this matter and hold Equifax accountable for their noncompliance with federal law. I am demanding the immediate removal of all inaccurate, unverified, and misleading information listed above from my Equifax credit report. The negligence and repeated refusal to correct these inaccuracies continue to harm my credit profile and quality of life. I am seeking full resolution, validation of all derogatory items, and deletion of unverifiable data as per my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief