Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I am f

iling this complaint because Equifax has repeatedly failed to process my dispute correctly. Despite sending multiple rounds of proper documentation, Equifax has claimed my documents were illegible even after sending them again. Violations Committed by Equifax : Failure to properly investigate disputes ( FCRA 611 ) Equifax repeatedly delays investigations by claiming my identification is unreadable, forcing me to send personal documents multiple times. Data Security Risk ( FCRA 1681c ) Asking for sensitive identification multiple times increases risk of identity theft, violating consumer protection standards. Reporting false information ( FCRA 1681s-2 ( b ) ) Accounts previously disputed as closed have now been illegally reported as open again. 
Equifax is ALREADY under investigation for violating these laws. Their failure to properly handle disputes is now public record. I DEMAND immediate deletions. 
Accounts Involved : XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX ) Balance : {$XXXX} Status : Open Reported by : XXXX, XXXX ( Closed ), Equifax Violation : Continued reporting without validation, failure to investigate properly XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX. ) Balance : {$XXXX} Status : Open Reported by : XXXX, XXXX ( Closed ), Equifax Violation : Illegally collecting on a charged-off debt without proof of ownership XXXX. XXXX XXXX Balance : {$XXXX} Status : Closed Reported by : XXXX, XXXX, Equifax Violation : Failure to validate the account, illegal continued reporting Charge-Off Accounts ( To be included in CFPB complaints & dispute letters for removal ) XXXX. XXXX XXXX. 
Balance : {$XXXX} Status : Open ( Equifax ), Closed ( XXXX & XXXX ) Violation : Responded to dispute via email ( Illegal - FCRA 1681i ), failure to verify account XXXX. XXXX XXXX XXXX  ( Account XXXX ) Balance : {$XXXX} Status : Open ( XXXX  ), Closed ( XXXX & XXXX ) Violation : Account was previously closed but falsely reported as open XXXX. XXXX XXXX XXXX  ( Account XXXX ) Balance : {$XXXX} Status : Open ( XXXX  ), Closed ( XXXX & XXXX ) Violation : Account was previously closed but falsely reported as open XXXX. XXXX XXXX XXXX  XXXX XXXX : {$XXXX} Status : Closed Reported by : XXXX, XXXX, Equifax Violation : Reporting of account as a charge-off after resolution XXXX. XXXX XXXX XXXX 
Balance : {$XXXX} Status : Closed Reported by : XXXX, XXXX, Equifax Violation : Reporting of account as a charge-off after resolution XXXX. XXXX/XXXX  Balance : {$XXXX} Status : Closed Reported by : XXXX, XXXX, Equifax Violation XXXX Account was previously paid off but remains listed as a charge-off Late Payment Accounts ( Delinquent ) ( To be included in CFPB complaints & dispute letters for removal of derogatory marks ) XXXX. XXXX XXXX XXXX XXXX : {$XXXX} Status : Open Reported by : XXXX, XXXX, Equifax Violation : Account is marked XXXX days late XXXX times or more, causing significant negative impact XXXX. XXXX XXXX XXXX XXXX : {$XXXX} Status : Closed Reported by : XXXX, XXXX, Equifax Violation : Previously affected by natural disaster but still reporting late payments XXXX. XXXX XXXX XXXX ( Account XXXX ) Balance : {$XXXX} Status : Closed Reported by : XXXX, XXXX, Equifax Violation : Late over XXXX  days

Company response to consumer: Closed with non-monetary relief