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: MD

Complaint narrative:
I am submitting this complaint against Equifax for reporting multiple accounts on my credit report that are either inaccurate, incomplete, unverified, or misleading, in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Despite my good faith attempts to resolve and dispute these tradelines directly with Equifax, the information continues to be reported with errors, missing context, or without proof of validation. These negative entries are causing serious harm to my credit profile, including denials for housing and financial products. 

1. XXXX # XXXXXXXX XXXX XXXX  Late Payments * * Date Opened : XX/XX/XXXX | High Credit : {$1000.00} During the time this account reflects late payments, I was going through medical and financial hardship. I reached out to the creditor explaining my situation, yet they proceeded to report me delinquent with no accommodation. Equifax has not acknowledged this context in their reporting, violating FCRA 1681e ( b ), which mandates maximum possible accuracy, and failing to apply the XXXX XXXX XXXX dispute coding for contextual information. 

2. XXXX XXXX XXXX XXXX XXXX XXXX Charge Off * * Date Opened : XX/XX/XXXX | High Credit : {$790.00} I was never notified of this alleged debt or provided any written validation prior to it being marked as a charge-off. No communication, settlement offer, or dispute notice was issued. Equifax is reporting this item without verifying its accuracy, violating FDCPA 809 ( a ) and FCRA 1681i ( a ). They are also failing to meet FCRA 1681b by continuing to report derogatory data without permissible purpose. 

3. XXXX # XXXXXXXX XXXX XXXX Late Payments * * Date Opened : XX/XX/XXXX | High Credit : {$1000.00} XXXX submitted a formal hardship request to the creditor during the XXXX pandemic. Instead of acknowledging this, they reported me as delinquent, and Equifax accepted this information without conducting any meaningful reinvestigation or noting the dispute on file. This violates FCRA 1681s-2 ( a ) and 1681i, as well as XXXX XXXX guidelines that require accurate dispute indicators. 

4. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off * * Date Opened : XX/XX/XXXX | High Credit : {$6500.00} I never received any formal notice that this account would be charged off. I did not have an opportunity to dispute, verify, or resolve the balance before it appeared on my Equifax credit report as derogatory. This failure to notify or validate is in violation of FDCPA 807 ( 8 ) and FCRA 623 ( a ) ( 1 ) ( A ), as well as Equifaxs duty under FCRA 1681e ( b ) to ensure reporting accuracy.

Requested Resolution : I am requesting the CFPB to compel Equifax to : Immediately delete any account that can not be fully validated with proper documentation and proof of consumer authorization.

Conduct a lawful and complete reinvestigation of the above accounts in accordance with FCRA 1681i ( a ) ( 1 ).

Provide me with a written explanation of the investigation results, including the method of verification and name and contact details of the furnishers, per FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). 

Apply the appropriate XXXX XXXX compliance codes, such as dispute remarks ( XXXX ), to any item under investigation or disputed by the consumer. 

If Equifax fails to address this complaint in compliance with federal law, I am prepared to pursue further regulatory complaints and legal action under FCRA 1681n and 1681o, which provide for statutory damages, punitive damages, and legal fees.

Company response to consumer: Closed with non-monetary relief