Consumer complaint received 2024-12-10 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: WA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate and correct numerous inaccuracies on my credit report. Despite submitting multiple dispute letters with detailed information and proof of identity, Equifax has refused to correct or delete the disputed accounts within the legally mandated timeframe. This ongoing failure violates my rights under the Fair Credit Reporting Act ( FCRA ) and has caused significant harm to my credit profile, financial standing, and emotional well-being. 

Disputed Accounts and Errors Identified XXXX Account Number : XXXX Error : Inconsistent late payment history ( all under 30 days, none under 60, 90, or 120 days ), which is illogical and violates chronological reporting standards.

Relief Sought : Correct the payment history or delete the account.

Violation : FCRA 607 ( b ) Failure to ensure maximum possible accuracy. 
XXXX XXXX  Account XXXX : XXXX Error : Reporting a past due balance on a collection account and inconsistent late payment history. 
XXXX XXXX : Delete the account. 
Violation : FCRA 623 ( a ) ( 1 ) Reporting inaccurate information. 
XXXX XXXX Account XXXX : XXXX Error : Reporting a late payment or past due balance on a collection account. 
XXXX XXXX : Delete the account. 
Violation : FCRA 607 ( b ) Inaccurate reporting. 
XXXX XXXX XXXX Account Numbers : XXXX & XXXX Error : Reporting late payments and a past due balance on collection accounts, which is a violation. 
XXXX XXXX : Delete the accounts. 
Violation : FCRA XXXX ( a ) ( XXXX ) Providing false or misleading information. 
XXXX Account Number : XXXX Error : Unrecognized account ; no validation provided. 
XXXX XXXX : Validate the debt or delete the account. 
Violation : FCRA 611 ( a ) ( 1 ) ( A ) Failure to validate within 30 days. 
XXXX Account XXXX : XXXX Error : Inaccurate dates associated with this account. 
XXXX XXXX : Correct the dates or delete the account. 
Violation : FCRA 607 ( b ) Inaccurate reporting. 
XXXX Account XXXX : XXXX Error : Inconsistent late payment history. 
XXXX XXXX : Correct the payment history or delete the account. 
Violation : FCRA 607 ( b ) Failure to ensure accuracy. 
XXXX Account Number : XXXX Error : Inconsistent date of last activity. 
XXXX XXXX : Correct the date or delete the account. 
Violation : FCRA 607 ( b ) Inaccurate reporting. 
XXXX  XXXX Account Number : XXXX Error : Inaccurate late payment history. 
XXXX XXXX : Correct the payment history or delete the account. 
Violation : FCRA 607 ( b ) Failure to ensure accuracy. 
XXXX XXXX ( XXXX ) Account XXXX : XXXX Error : Reporting as an open account with a past due balance, which violates reporting standards for collections. 
XXXX XXXX : Delete the account. 
Violation : FCRA 623 ( a ) ( 1 ) Inaccurate reporting.

Specific FCRA Violations Failure to Investigate Disputes Violation : FCRA 611 ( a ) ( 1 ) ( A ) Credit reporting agencies must investigate disputes within 30 days. Despite multiple dispute letters, Equifax has failed to conduct a proper investigation. Failure to Delete Unverified Information Viola
tion : FCRA 611 ( a ) ( 5 ) ( A ) If information can not be verified within 30 days, it must be deleted. Equifax continues to report unverifiable information.

Failure to Ensure Maximum Possible Accuracy Violation : FCRA 607 ( b ) Equifax must ensure all information is accurate and up to date. The repeated inconsistencies and contradictions violate this obligation.

Providing False or Misleading Information Violation : FCRA 623 ( a ) ( 1 ) Furnishers must report accurate information. The accounts reported with past due balances on collections are misleading.

Company response to consumer: Closed with non-monetary relief