Consumer complaint received 2025-09-11 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: GA

Complaint narrative:
XX/XX/XXXX Subject : Equifax XXXX XXXX XXXX XXXX XXXX XXXX Account & Request for Compensation Dear CFPB, I am filing this complaint against Equifax Information Services LLC for willful and negligent violations of the Fair Credit Reporting Act ( FCRA ) related to the XXXX XXXX XXXX account ( * XXXX ). 



Facts & Evidence XXXX. Equifaxs Reinvestigation Result ( XX/XX/XXXX, Confirmation # XXXX ) : Equifax reported the account with a Date of First Delinquency ( DOFD ) of XX/XX/XXXX and refused to delete the tradeline. 


XXXX. Furnishers Payment History ( Exhibit A, dated XX/XX/XXXX ) : Shows repeated XXXX/XXXX/XXXX day delinquencies beginning in XXXX, proving the true DOFD was years earlier than what Equifax is reporting. 


XXXX. Illegal Re-Aging : Equifax has shifted the DOFD forward to extend the life of this negative tradeline. This violates FCRA 605 ( a ), which prohibits reporting adverse information older than 7 years, and CFPB guidance explicitly forbidding re-aging. 


XXXX. Prior Disputes : I have filed multiple disputes with Equifax since XXXX. Despite clear evidence, Equifax continues to verify the account without providing documentation or correcting the inaccurate reporting. 



Violations of Law FCRA 605 ( a ) : Reporting obsolete tradelines beyond 7 years. 

FCRA 611 ( a ) : Failure to conduct a reasonable reinvestigation. Equifax simply parrots the furnisher instead of reviewing evidence.

FCRA 607 ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy.

FCRA 616617 : Willful and negligent noncompliance, creating liability for statutory, actual, and punitive damages. 



Harm Suffered Housing Denial : This re-aged account has directly prevented me from securing stable housing. 

Financial Damages : I have incurred additional rent expenses, costs of repeated disputes ( certified mail, monitoring, records ), and higher credit-related costs. 

Emotional Distress : The repeated failures and ongoing false reporting have caused stress and anxiety. 



Relief Requested I request that the CFPB : 1. Compel Equifax to delete the XXXX XXXX XXXX account ( * XXXX ) immediately. 


XXXX. Require Equifax to produce the complete verification packet it received from XXXX XXXX XXXX, including documents used to set the DOFD.

3. Order financial compensation for my losses, including : Housing denial damages Out-of-pocket costs for disputes Emotional distress Any additional statutory and punitive damages authorized under FCRA XXXX XXXX. Impose regulatory penalties on Equifax for repeated and willful violations, including the illegal practice of re-aging. 

Closing Equifaxs actions are reckless, harmful, and unlawful. The evidence ( Exhibit A GLS payment history, Exhibit B comparison table, Exhibit C Equifax dispute results ) proves re-aging and noncompliance. I respectfully request immediate corrective action, deletion of this account, enforcement penalties, and financial compensation for the damages caused. 

Respectfully, XXXX XXXX Attachments : Exhibit A : XXXX Payment History Statement ( XX/XX/XXXX ) Exhibit B : Comparison Table XXXX XXXX XXXX XXXX XXXX ) Exhibit C : Equifax Dispute Results ( XX/XX/XXXX )

Company response to consumer: Closed with non-monetary relief