Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint to report ongoing, willful violations of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX credit reporting standards, and Florida consumer protection laws by XXXX XXXX XXXXXXXX and the XXXX major credit bureaus ( XXXX Equifax, and XXXX XXXX These violations pertain to XXXX closed credit card accounts : XXXX XXXX XXXX Account XXXX ( ending in XXXX ) XXXX XXXX  XXXX Account XXXX ( ending in XXXX ) Despite : Initial disputes submitted in XXXX A formal CFPB complaint filed on XX/XX/XXXX A deletion demand submitted by XXXX XXXX XXXX in XX/XX/XXXX the accounts continue to be reported with materially inaccurate, outdated, and noncompliant data across all three bureaus. 

XXXX. XXXX XXXX and FCRA Violations XXXX XXXX XXXX Violations ( XXXX XXXX ) No Dispute Code ( Code XB ) No Account in Dispute flag present on any bureau report Violates XXXX XXXX requirement to reflect dispute status Overlimit Reporting Without Suppression Accounts reporXXXX XXXX XXXX  utilization with no suppression flag Artificially inflates debt-to-limit ratio and suppresses credit score Stale Status Updates Last status update was XX/XX/XXXX ( Acct XXXX ) and XX/XX/XXXX ( Acct XXXX ) Violates XXXX XXXX requirement for monthly updates Missing First Delinquency Date ( FDD ) No FDD reported, preventing accurate aging and suppression of obsolete data Charge-Off Reporting Without Validation Despite multiple disputes and a formal deletion demand, XXXX XXXX XXXXXXXX continues to report charge-offs without providing any validation or reinvestigation results B. FCRA Violations 1681s-2 ( a ) ( 3 ) : Failure to mark accounts as disputed 1681s-2 ( b ) : Continued furnishing of inaccurate data after notice 1681i ( a ) ( 1 ) : Failure to conduct reasonable reinvestigation 1681e ( b ) : Failure to maintain procedures to ensure maximum possible accuracy 1681n : Willful noncompliance with FCRA obligations IV. Credit Bureau Complicity Despite being notified of these violations through : Multiple disputes filed by me and my legal representative A formal deletion demand submitted in XX/XX/XXXX A prior CFPB complaint filed on XX/XX/XXXX the credit bureaus have refused to correct, suppress, or delete the inaccurate tradelines. They continue to publish derogatory data that they knowor should knowis inaccurate and noncompliant with XXXX XXXX and FCRA standards. 

V. Ongoing Harm Credit Score Suppression : Each time XXXX XXXX  XXXX modifies the account historically ( e.g., re-aging or status updates ), my credit score drops by XXXX points, despite no new activity or delinquency. 

Duration of Harm : XXXX Present ( XXXX months ) Impact : Denial of credit Increased interest rates Emotional distress and reputational harm Ongoing legal and administrative burden VI. Relevant Litigation XXXX XXXX XXXXXXXX has been the subject of multiple FCRA-related lawsuits and settlements, including : A {$2.00} million class action settlement in XXXX over improper account restraints and fee practices A separate legal controversy involving improper mortgage discharge and litigation against homeowners due to internal recordkeeping failures These cases reflect a pattern of systemic noncompliance and disregard for consumer rights.

Company response to consumer: Closed with explanation