Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this formal complaint against Equifax Information Services, LLC for failing to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., by reporting and maintaining inaccurate, unverifiable, and outdated negative items on my credit report, despite previous disputes. These accounts continue to harm my creditworthiness and violate my consumer rights. I have exhausted Equifaxs dispute process and am now seeking the Consumer Financial Protection Bureau 's intervention.

Summary of Problem : I have identified several accounts on my Equifax credit report that are either : Reporting inaccurate statuses ( e.g., charge-off or collection ), Being reported by third-party debt collectors without adequate verification, Reporting accounts with inconsistent or incomplete information, Or are older than legally reportable limits under the FCRA.

Equifax has violated FCRA 1681e ( b ) ( failure to ensure maximum accuracy ), FCRA 1681i ( a ) ( failure to reinvestigate disputed information ), and FCRA 1681c ( a ) ( reporting obsolete information ). These items are continuing to cause damage to my credit score and financial life. 
Disputed Accounts with Legal References : XXXX. XXXX XXXX XXXX o Account # : XXXX * * o High Balance : {$460.00} o Date Opened : XX/XX/XXXX o Status : Charge-Off o Violation : Inaccurate charge-off reporting without verifying underlying debt validity.

o Relevant Law : FCRA 1681e ( b ) Failure to assure maximum possible accuracy. 
XXXX. PFS o Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX o High Balance : {$11000.00} o Date Opened : XX/XX/XXXX o Status : Late Payments o Violation : Late payments continue to be reported despite request for validation.

o Relevant Law : FCRA 1681i ( a ) Failure to conduct a reasonable reinvestigation. 
XXXX. XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX o High Balance : {$450.00} o Date Opened : XX/XX/XXXX o Status : Collection o Violation : Collection account with unverifiable and duplicative reporting. 
o Relevant Law : FCRA 1681e ( b ) and FCRA 1681i ( a ) 4. XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX o High Balance : {$350.00} o Date Opened : XX/XX/XXXX o Status : Collection o Violation : Debt not validated under FDCPA ; inaccurate furnishing.

o Relevant Law : FCRA 1681s-2 ( b ) Furnishers duty to investigate. 
XXXX. XXXX XXXX XXXX XXXX Account # : XXXX * * * o High Balance : {$1200.00} o Date Opened : XX/XX/XXXX o Status : Collection o Violation : Third-party collection agency failed to validate debt.

o Relevant Law : FCRA 1681e ( b ) and FCRA 1681i ( a ) 6. XXXX XXXX XXXX XXXX Account # : XXXX * * * o High Balance : {$1200.00} o Date Opened : XX/XX/XXXX o Status : Collection o Violation : Possible duplicate or re-aged debt account.

o Relevant Law : FCRA 1681c ( a ) ( 4 ) Prohibits re-aging of accounts beyond 7 years. 
XXXX. XXXX  o Account # : XXXX * * o High Balance : {$820.00} o Date Opened : XX/XX/XXXX o Status : Collection o Violation : Furnisher failed to verify debt per consumer dispute.

o Relevant Law : FCRA 1681s-2 ( a ) ( 1 ) ( A ) Inaccurate information prohibited. 
XXXX. XXXX XXXX XXXX XXXX XXXX o Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX o High Balance : {$200.00} o Date Opened : XX/XX/XXXX o Status : Charge-Off o Violation : Account was disputed but continues to report inaccurately.

o Relevant Law : FCRA 1681i ( a ) Failure to correct errors after dispute. 
XXXX. XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX o High Balance : {$340.00} o Date Opened : XX/XX/XXXX o Status : Charge-Off o Violation : Unverifiable utility account ; never received billing.

o Relevant Law : FCRA 1681e ( b ) and FCRA 1681i ( a ) 10. XXXX XXXX Account # : XXXX * * o High Balance : -- o Date Opened : XX/XX/XXXX o Status : Charge-Off o Violation : This item is obsolete and over XXXX XXXX XXXX ; should be removed. 
o Relevant Law : FCRA 1681c ( a ) ( 4 ) Can not report charge-offs older than 7 years.

Requested Relief : 1. Immediate deletion of all the above accounts from my Equifax credit file.

2. A full reinvestigation under FCRA 1681i ( a ) with verified documentation from furnishers.

3. Cease and desist from reporting unve
rifiable or obsolete data.

4. Written confirmation from Equifax detailing the actions taken on each item.

Declaration : I have provided Equifax adequate notice and documentation through previous disputes. The persistence of these inaccuracies constitutes negligence and noncompliance with federal law. I am requesting that the CFPB investigate Equifax for systemic violations of the Fair Credit Reporting Act and ensure they are held accountable.

Company response to consumer: Closed with non-monetary relief