Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Equifax is reporting several derogatory tradelines on my credit file that are inaccurate, unverified, and severely damaging to my credit profile. These include two separate entries from XXXX XXXX dated XX/XX/XXXX for {$2800.00} and XXXX dated XX/XX/XXXX for XXXX XXXXXXXX well as one from XXXX XXXX XXXX XXXX ( XXXX ) dated XX/XX/XXXX for {$240.00}, and another from XXXX XXXX XXXX XXXX XXXX ) dated XX/XX/XXXX for {$1500.00}. These accounts are being reported either as charge-offs or collections, and all XXXX are not only questionable in origin but appear to have bypassed any basic verification process before being published to my credit file. 

I have not received valid documentation or legitimate notice from any of these companies indicating that I owed these amounts, much less any opportunity to validate the debts prior to their appearance on my Equifax report. No billing statements were sent, no demand for payment was issued, and no agreement was established confirming my obligation. This makes the reporting premature, legally unsound, and fundamentally inaccurate. Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act, Equifax is required to follow reasonable procedures to ensure that every piece of data it furnishes is held to the standard of maximum possible accuracy. Including tradelines that are neither verified nor accompanied by supporting documentation directly violates that statute.

When I disputed these accounts with Equifax, I expected a proper reinvestigation. Instead, Equifax closed the disputes with a boilerplate statement that the information was verified, offering no transparency about how that conclusion was reached. I was given no access to the actual evidence used, no creditor communication, no signed documents, and no billing history. That is an absolute failure of the reinvestigation process as defined under 15 U.S.C. 1681i ( a ), which requires that a consumer reporting agency must conduct a reasonable reinvestigation any time a dispute is filed. Stamping a dispute as verified without producing the data that justified the original reporting is not a reinvestigationits a refusal to comply with federal law.

These inaccurate and unverifiable accounts have collectively inflicted significant financial harm. The total amount being misrepresentednearly {$6000.00} across the four entrieshas dramatically lowered my credit score and created roadblocks with lenders, landlords, and even employment background checks. Ive been declined for credit products I otherwise qualify for, and my financial integrity has been unfairly called into question over accounts that were never confirmed, communicated, or validated. Its deeply frustrating and emotionally exhausting to be punished by a system that values unchecked automation over truth and accountability. 

The fact that both XXXX XXXX entries are showing independently and for different amounts adds further suspicion. I can not be expected to prove the absence of debts I never agreed toespecially when the bureaus are the ones allowing third parties to attach derogatory entries to my report without scrutiny. Similarly, the XXXX XXXX and XXXX XXXX XXXX entries have no accompanying record of consent, service, or acknowledgment, and I should not bear the consequences of Equifaxs failure to demand substantiating documentation before accepting this data.

Company response to consumer: Closed with non-monetary relief