Consumer complaint received 2025-05-04 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: GA

Complaint narrative:
I am filing this formal complaint against Equifax for their continued failure to correct inaccurate information on my credit report regarding my closed XXXX Bank account ending in XXXX. Despite filing multiple disputes and providing clear documentation, Equifax has refused to properly investigate or remove clearly incorrect data. My latest dispute was filed on XX/XX/XXXX ( Confirmation Number : XXXX ). After the complaint was closed, Equifax still failed to correct key errors and instead only made surface-level edits. The inaccurate balance, false charge-off status, and fabricated payments remain on my report. 

Key Issues and Violations : 1. * * False Payment Record * * : Equifax is reporting that I made a payment in XX/XX/XXXX, which is * * false * *. I did not make any payment in XXXX, and Equifax has failed to provide proof of this payment. 
2. * * Inaccurate Charge-Off Status * * : The account is still listed as a charge-off, but no * * XXXX * * cancellation of debt form has been issued, which I requested earlier. This violates * * IRS * * and * * FCRA * * regulations. 
3. * * XXXX XXXX Only * * : The changes made to my report are superficial and do not resolve the core issues. Equifax only updated the * * balance history * *, * * scheduled payments * *, and some * * account metadata * *, but did not address the charge-off status, payment inaccuracies, or failure to investigate the dispute correctly. 
4. * * Failure to Investigate Properly * * : Equifaxs response has been insufficient and does not meet the standards for an adequate investigation under the * * FCRA * *. They only claim the furnisher ( XXXX Bank ) verified the data without providing evidence of the verification process. 
5. * * Consumer Protection Violations * * : Equifaxs actions violate multiple consumer protection laws, including : - The * * Fair Credit Reporting Act ( FCRA ) * *, which mandates accurate credit reporting and thorough investigations. 
- The * * Fair Debt Collection Practices Act ( FDCPA ) * *, as they are mishandling the charge-off and failure to provide proper documentation. 
- The * * Consumer Financial Protection Act ( CFPA ) * *, which prohibits unfair and deceptive credit reporting practices. 

I demand that Equifax provide verifiable proof of the alleged payment in XX/XX/XXXX or remove this false entry entirely from my credit report. Furthermore, I also request that Equifax immediately remove the * * charge-off status * * and provide a * * XXXX cancellation of debt * * if applicable. Failure to correct these errors is damaging my creditworthiness and is severely impacting my ability to secure housing and transportation. 

I am requesting the CFPB take enforcement action to ensure Equifax complies with federal law and provides accurate credit reporting. Equifaxs actions are damaging my financial reputation, and I urge the CFPB to investigate this issue further. 

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief