Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am submitting this formal complaint against Equifax for knowingly and willfully reporting inaccurate and unverifiable negative information on my credit report, despite multiple disputes, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
Despite repeated attempts to dispute and correct the false information, Equifax has continued to report erroneous, incomplete, and outdated data, which has severely affected my creditworthiness, ability to obtain housing, credit, and even employment. This is not only unethical but a direct violation of FCRA guidelines, specifically : 15 U.S.C. 1681i ( a ) Failure to conduct a proper reinvestigation 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy 15 U.S.C. 1681c ( a ) Reporting obsolete information 15 U.S.C. 1681n & 1681o Willful and negligent noncompliance Below is a breakdown of the specific accounts being reported inaccurately : XXXX. XXXX Account Number : XXXXXXXX XXXX XXXX XXXX High Balance : {$290000.00} Date Opened : XX/XX/XXXX Issue : Late Payments Violation : This account reflects inaccurate late payments that are not backed by any verified documentation. No proper validation was ever provided despite prior disputes, which is a violation of 15 U.S.C. 1681i ( a ). 
Law Reference : 1681i ( a ) : Equifax must conduct a reasonable reinvestigation if the accuracy of any information is disputed. 
1681e ( b ) : Equifax must ensure all reported data is accurate and up-to-date. 
Story : I have disputed this account multiple times as the reported late payments are erroneous. I requested validation and verification from Equifax, yet they failed to remove or correct the false reporting. This has severely damaged my credit profile and hindered financial opportunities. 
XXXX. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$30000.00} Date Opened : XX/XX/XXXX Issue : Late Payments Violation : Equifax failed to properly investigate my dispute regarding this account. The reported delinquencies are either outdated or not mine, and I was never provided sufficient proof from the furnisher. This is a clear violation of FCRA 1681i ( a ) and 1681e ( b ). 
Law Reference : 1681i ( a ) : Entitles me to a reinvestigation if I dispute information. 
1681e ( b ) : Requires Equifax to ensure information is as accurate as possible. 
1681n : Willful failure to comply may result in statutory and punitive damages. 
Story : I formally disputed the account, but Equifax never provided proper documentation or a detailed response to my request for investigation. Instead, they continued reporting late payments, which has deeply impacted my credit score, resulting in loan denials and emotional distress. 
Final Remarks : I have acted in good faith by submitting formal disputes, but Equifaxs failure to reinvestigate and correct these errors reflects willful neglect of federal law. These reporting errors have caused me significant financial hardship and mental anguish. 
I respectfully request that the CFPB conduct an immediate investigation into Equifaxs actions and require them to : XXXX. Permanently delete the inaccurate late payment history from the above accounts. 
XXXX. Conduct a thorough reinvestigation in compliance with FCRA 1681i ( a ). 
XXXX. Provide me with a full explanation and copies of any information used to verify these accounts. 
XXXX. Pay appropriate damages if violations are found.

Company response to consumer: Closed with non-monetary relief