Consumer complaint received 2025-11-09 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: TX

Complaint narrative:
Equifax is willfully violating multiple sections of the Fair Credit Reporting Act ( FCRA ) and the Metro 2 Compliance Manual by continuing to report inaccurate, unverified, and incomplete data after multiple written disputes and reinvestigation requests. 
I have never claimed identity theft and have never authorized a credit repair company to act on my behalf these disputes and verification requests are directly from me, the consumer.

Equifax continues to ignore factual disputes and misclassifies my consumer requests as third-party or credit repair disputes, which is a clear violation of FCRA 611 ( a ) ( 1 ) ( A ) requiring a reasonable reinvestigation of all consumer-initiated disputes. 
Unauthorized and Unverified Inquiries The following inquiries are being reported without permissible purpose or proper consumer authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under FCRA 604 ( a ) ( 3 ), no consumer reporting agency may furnish a credit report to any party without a permissible purpose or written authorization.

Equifax has failed to provide proof of authorization or documentation verifying these inquiries under FCRA 609 ( a ) ( 1 ).

This violates Metro 2 4.2.2, which requires data furnishers and CRAs to maintain verifiable, accurate, and complete records. 
Because no proof has been provided, I demand immediate deletion of all unverified inquiries within 15 days of this complaint. 
Failure to comply will constitute willful noncompliance under FCRA 616 and 617, and I will pursue legal action for damages. 
XXXX XXXX XXXX & Charge-Offs ( Accounts XXXX and XXXX ) Equifax is reporting multiple XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX even though the account shows a {$0.00} balance and no active delinquency. 
This is inaccurate, misleading, and non-compliant with FCRA 607 ( b ) ( maximum possible accuracy ) and 623 ( a ) ( 1 ) ( A ) ( duty to report accurately ).

According to Metro 2 4.2.3, once an account has been paid, closed, or sold, the furnisher must not continue to report the account as charged-off. 
Equifax is also duplicating this same debt under both the original creditor XXXX XXXXXXXX XXXX XXXX and the collection agency ( XXXX XXXX ), which violates FCRA 605 ( b ) for duplicative and misleading reporting. 
I have never received validation or ownership proof for either account despite disputes being on file for over 90 days. 
Under FCRA 611 ( a ) ( 5 ) ( A ), any unverifiable data must be promptly deleted. 
I demand immediate deletion of both XXXX accounts within 15 days or I will file a civil claim for willful noncompliance. 
XXXXXXXX XXXX XXXXXXXX Payments ( Account ending XXXX ) Equifax continues to report a XXXX late on a paid, closed account with a {$0.00} balance, which is inaccurate and unverifiable. 
Per FCRA 623 ( a ) ( 2 ) and Metro 2 6.2.1, furnishers must not continue reporting derogatory payment history after closure or full payment. 
This reporting is causing ongoing credit damage and misrepresents the actual account status. 
I demand immediate deletion of all late payment history tied to this account and correction across all three bureaus. 
Failure to Update Personal Information Equifax has refused to correct my personal information ( name, address, and identifying details ) despite repeated written and online submissions. 
Instead, Equifax falsely claims my updates are related to identity theft or credit repair company activity, both of which are completely untrue. 
This constitutes willful negligence and bad faith under FCRA 611 ( a ) ( 1 ) and 607 ( a ).

Per Metro 2 4.1.2, credit bureaus must ensure accurate and current consumer identifying information.

Equifaxs refusal to update this data after being notified is a direct violation of federal reporting requirements. 
I demand immediate correction and update of all personal information within 15 days, along with a new copy of my updated credit report mailed to my verified address.

Company response to consumer: Closed with non-monetary relief