Consumer complaint received 2025-06-23 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: NE

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this complaint against Equifax for reporting multiple inaccurate, harmful, and misleading accounts and payment statuses on my credit report, which are severely impacting my financial wellbeing. Despite my efforts to dispute these items directly with the credit bureau, the reporting remains inaccurate, incomplete, and unverifiable. 
Below are the disputed accounts, along with each issue and violation of the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$660.00} Date Opened : XX/XX/XXXX Status : Late Payment Issue : This account is inaccurately reflecting late payments. I have not received adequate verification or notice prior to this negative mark being placed on my report. The late payment record is damaging and unjustified. 
Story : I have maintained regular payments on this account, and no clear evidence has been provided that supports the delinquency claim. This reporting appears to be in violation of my rights to accurate and verifiable data. 
Violation : FCRA Section 623 ( a ) ( 1 ) ( A ) Furnishers must not report inaccurate information. 
FCRA Section 611 Right to dispute and have items properly investigated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$1100.00} Date Opened : XX/XX/XXXX Status : Late Payment Issue : This account reflects late payments that were never notified or validated through a formal process. 
Story : At the time of the alleged delinquencies, I was under financial hardship and reached out for assistance but never received appropriate acknowledgment or support. The continued reporting of this status without reevaluation is unfair and misleading. 
Violation : FCRA Section 605 ( b ) Information must be updated or removed if found inaccurate or incomplete.

FCRA Section 609 Right to know what is being reported and to receive full account details upon request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$20000.00} Date Opened : XX/XX/XXXX Status : Late Payment Issue : The account is reporting late payments without sufficient proof or due process. 
Story : I experienced financial strain due to unforeseen medical emergencies and temporary job loss during the pandemic. I reached out for a forbearance or deferment option but was not granted the opportunity. Reporting these late payments without acknowledgment of my request or financial situation is unreasonable. 
Violation : FCRA Section 607 ( b ) Obligation to ensure maximum possible accuracy.

Equal Credit Opportunity Act ( ECOA ) Unfair treatment during a financial hardship. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$5000.00} Date Opened : XX/XX/XXXX Status : Late Payment Issue : This account reflects a delinquency that is outdated and not consistent with the record provided to me directly by the lender. 
XXXX XXXX XXXX XXXX  account was paid off in good faith, and there was a dispute about the closing balance. I never received adequate resolution, and the negative mark seems to be a result of poor recordkeeping rather than actual default. 
Violation : FCRA Section 605 ( a ) ( 5 ) Accounts that are outdated ( more than 7 years ) must be removed.

FCRA Section 611 Right to reinvestigation upon dispute. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$2100.00} Date Opened : XX/XX/XXXX Status : Collection Issue : This is a third-party collection agency account that I have no record of ever opening or owing. I never received notice of any debt validation or opportunity to dispute this debt. 
XXXX : This appears to be a debt buyer account that may have purchased inaccurate or outdated information. I have never had a business relationship with XXXX XXXX XXXX and was never given notice of this debt or the ability to challenge it. This item is damaging my credit report without legal standing. 
Violation : Fair Debt Collection Practices Act ( FDCPA ) Section 809 Right to debt validation.

FCRA Section 623 ( a ) ( 5 ) Must report accurate date of first delinquency.

FCRA Section 611 Failure to provide proper verification upon dispute. 
Conclusion : I am requesting the CFPB to take immediate action against Equifax for allowing these inaccurate, unverifiable, and misleading accounts to remain on my credit report in violation of the FCRA and FDCPA. These actions have caused me emotional distress, loss of financial opportunities, and ongoing damage to my creditworthiness. 
I respectfully request the following : Full investigation into the disputed accounts listed above. 
Immediate removal or correction of any item not fully verified with documentation. 
Enforcement of consumer protection laws in relation to credit reporting obligations. 
Please find attached a copy of my ID, proof of address, and any relevant documentation supporting my claims.

Company response to consumer: Closed with non-monetary relief