Consumer complaint received 2025-08-06 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 writing to file a formal complaint against XXXX and the associated credit bureaus ( TransUnion, Experian, and Equifax ) for their failure to properly verify and correct inaccuracies in my credit file. Despite submitting multiple disputes and providing necessary documentation, these parties have failed to verify the information and have allowed an incorrect account to remain on my credit report. 

Background and Issues : XXXX. XXXX Account The XXXX account was reported as charged off with a balance of \ {$240.00}. The account was a secured credit card opened on XX/XX/XXXX, and closed on XX/XX/XXXX. Since then, I have disputed the account multiple times across all three credit bureaus ( TransUnion, Experian, and Equifax ), but each time, the account was incorrectly marked as validated without proper investigation. 

2. Failure to Verify : Over the course of the last three disputes, I provided all necessary documentation, including my identity verification and supporting evidence that showed the account was not properly reported. Despite this, the credit bureaus continued to mark the account as validated, which is a clear violation of the Fair Credit Reporting Act ( FCRA ).

Specifically, XXXX and the credit bureaus failed to remove or properly verify information regarding the balance, payment history, and charge-off status, despite the fact that the account was closed and marked as charged off. 

3. Impact on My Credit : The false reporting of this account has caused serious harm to my credit score and financial well-being. This failure to correct the inaccurate information has limited my access to credit and caused unnecessary emotional distress, as I have been unable to secure loans or credit at favorable rates due to these false marks on my report.

4. Request for Compensation Due to the ongoing errors and failure to properly verify the account, I am requesting compensation for the harmcaused by these actions. This includes thenegative impact on my credit score, the inability to obtain financial products, and the emotional distress caused by the ongoing inaccuracies and lack of resolution.

My Legal Rights Under the FCRA : Under the Fair Credit Reporting Act ( FCRA ), I am entitled to : Accurate reporting of my credit history. 
Proper verification of disputed information when challenged. 
Financial compensation for damages resulting from inaccurate reporting and repeated failure to investigate or correct errors. 

As these errors have persisted over time, I am requesting financial compensation for the emotional distress and financial hardship this has caused. In addition, I am seeking immediate correction and removal of this account from my credit file. 


Thank you for your attention to this matter. I look forward to your prompt response and assistance in correcting these errors and securing fair compensation.

Company response to consumer: Closed with explanation