Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Complainant Information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, CA XXXX Email : XXXX Date : XX/XX/XXXX Subject : Formal CFPB Complaint Against Equifax FCRA & Metro 2 Violations Related to XXXX XXXX  Account Reporting To the Consumer Financial Protection Bureau ( CFPB ) : I am submitting this complaint regarding Equifax Information Services LLC due to multiple and ongoing violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and Metro 2 credit reporting standards, in connection with a XXXX XXXX  account listed on my credit report. 

Account in Dispute : XXXX XXXX  XXXX Balance : {$11000.00} | Status : Charge-Off Equifax Reporting Date : Updated as of XX/XX/XXXX 1. Metro 2 Compliance Violations Equifax is reporting this account with repeated and misleading derogatory notations in clear violation of Metro 2 formatting standards : The account reflects repeated monthly CO ( Charge-Off ) notations from XX/XX/XXXX through XX/XX/XXXX, when Metro 2 guidelines only permit a one-time charge-off. 
It also includes multiple 120-day late entries from XX/XX/XXXX to XX/XX/XXXX, which are factually inaccurate and do not match the account history. 
The account shows a last payment date of XX/XX/XXXX, yet continues to report monthly delinquencies afterward, which inflates the negative impact and misrepresents the accounts status. 

These practices violate 15 U.S.C. 1681e ( b ), which requires the reporting of the maximum possible accuracy of information.

2. Equifax Failed to Provide the Method of Verification Despite previous disputes, Equifax has not provided a lawful or complete method of verification, as required by : 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : This requires Equifax to disclose : Who was contacted, What documents were reviewed, When and how the verification occurred. 

To date, Equifax has not provided any of this information. 



3. Equifax Failed to Conduct a Reasonable Reinvestigation Equifax has failed to fulfill its duties under : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Reasonable reinvestigation of disputed information.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Deletion of information that can not be verified. 

Despite acknowledging my disputes ( marked as Reinvestigation in Progress ), Equifax has made no corrections and no documentation supporting its investigation was provided.

4. Misleading and Deceptive Reporting Equifax is misreporting this account by : Reporting monthly charge-offs ( CO ) for two years after the account was closed in XX/XX/XXXX. 
Reporting 120-day lates immediately before charge-off, which is inaccurate and inconsistent.

These practices distort the accounts timeline, severely damage my credit profile, and violate both the FCRA and Metro 2 data accuracy standards. 



Requested Resolution : I respectfully request the CFPB to investigate this matter and direct Equifax to : 1. Permanently delete the XXXX XXXX  account from my credit file ; 2. Block reinsertion of the account unless full certification of compliance with 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) is met ; 3. Provide a full written explanation of the investigation, including verification details and a point-by-point response to the factual inaccuracies outlined above.

Legal Action Notice : If this matter is not resolved, I will pursue legal action for : Willful noncompliance under 15 U.S.C. 1681n ; Negligent noncompliance under 15 U.S.C. 1681o ; Statutory damages up to {$1000.00} per violation, plus actual and punitive damages. 

I request the CFPB to hold Equifax accountable for failing to comply with the law and ensure the integrity of my credit report. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX

Company response to consumer: Closed with explanation