Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, I submitted multiple formal disputes to Equifax regarding several charge-off, collection, and inquiry items that I believe are being reported inaccurately and without proper verification. Despite repeated disputes, Equifax has failed to conduct lawful reinvestigations or provide documentation required under the Fair Credit Reporting Act ( FCRA ), including XXXX681i, 1681e ( b ), and 1681s-2 ( b ). 

The disputed accounts include : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. In each case, I lawfully requested documentation such as signed agreements, itemized payment histories, charge-off notices, and proof of legal assignment or debt ownership. Equifax either failed to respond within the XXXXday FCRA window or marked the accounts as verified without supplying supporting evidence. 

I submitted detailed written disputes to Equifax on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all by certified mail outlining specific account errors and demanding reinvestigation. These disputes included misreported balances, improper charge-off statuses, inaccurate payment records, and unauthorized hard inquiries. The USPS confirmed receipt of my dispute packets, including delivery to Equifaxs office on or about XX/XX/XXXX. 

As of XX/XX/XXXX, I also issued formal FDCPA and FCRA validation demands to both XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Neither party provided the required documentation to substantiate the debts. Despite this, Equifax continues to report these tradelines as valid a direct violation of FCRA 1681s-2 ( b ). Notably, XXXX  and XXXX  have already removed some of these same accounts after similar disputes, which further proves that Equifax is reporting inconsistent and unverifiable data. 

Additional email records show my formal validation demand to XXXX XXXX XXXX ( regarding an alleged XXXX XXXX debt ), as well as a dispute to XXXX XXXX XXXX XXXX requesting verification of a charge-off. Both companies failed to provide any contractual proof or accounting records. Equifax has nevertheless continued to publish these accounts to third parties. 

I also disputed unauthorized or unverifiable hard inquiries from XXXX, XXXX XXXX XXXX XXXX and XXXX  XXXX ( XXXX XXXX XXXX ). Despite citing FCRA 1681b and requesting the method of verification under 1681i ( a ) ( 6 ) ( B ) ( iii ), Equifax has taken no corrective action. 

I filed XXXX XXXX XXXX complaints against XXXX XXXX XXXX  and XXXX XXXX due to their refusal to validate these debts or correct errors in their reporting. These complaints serve as additional evidence that the furnishers themselves are unable to substantiate the information Equifax is choosing to continue reporting. 

XXXX actions including failure to verify, failure to reinvestigate, and reporting data that has been removed by other bureaus have caused measurable harm to my credit score and financial reputation. These unresolved inaccuracies have denied me access to financing and caused stress, inconvenience, and reputational damage. The pattern of ignored disputes and superficial verifications suggests systemic failure or willful noncompliance with federal law.

Company response to consumer: Closed with non-monetary relief