Consumer complaint received 2025-12-09 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: FL

Complaint narrative:
Equifax has willfully and negligently violated multiple provisions of the Fair Credit Reporting Act ( FCRA ) by failing to maintain accurate consumer reporting, failing to conduct reasonable investigations, continuing to furnish false data after disputes, and reporting information that is incomplete, unverifiable, and legally impossible under XXXX standards. 

Between XXXX and XXXX, I identified numerous inaccurate and re-aged accounts and several unauthorized hard inquiries appearing on my Equifax credit report. I submitted multiple disputes to Equifax regarding these inaccuracies, yet Equifax failed to comply with FCRA 611 by refusing to perform a reasonable reinvestigation and instead continued reporting false and misleading data.

Primary Violations by Equifax : 1. Illegal Re-Aging and False Delinquency Reporting Equifax is reporting delinquency updates for accounts where the Date of First Delinquency ( DOFD ) is either missing, inconsistent, or impossible based on payment history. These include, but are not limited to, telecommunications and installment accounts where derogatory activity is extended beyond the legally allowed reporting period. This violates FCRA 605 ( c ) and XXXX Reporting Standards. 

XXXX. Continuing to Furnish Incorrect Information After Disputes Equifax continued to report derogatory updates during active disputes, in direct violation of FCRA 611 ( a ) ( 1 ) and 611 ( a ) ( 5 ). Reporting new negative information during a reinvestigation is unlawful and demonstrates willful noncompliance.

3. Reporting Incomplete, Contradictory, and Unverifiable Data Several accounts contain conflicting narrative codes, missing DOFD, incorrect past-due amounts, and delinquency timelines that are mathematically impossible. Equifax has repeatedly verified data that is objectively inconsistent with industry standards, violating FCRA 623 ( a ) ( 1 ) ( A ) as applied through the CRAs duty under 611.

4. Failure to Maintain Maximum Possible Accuracy Equifax has allowed furnishers to report data that contradicts Metro-2 formatting, including charge-off accounts with changing balances, delinquent accounts with no DLA, and closed accounts showing new late payments. This is a direct violation of FCRA 607 ( b ).

5. Allowing Unauthorized Hard Inquiries Equifax has furnished my consumer report to multiple companies without permissible purpose, violating FCRA 604 ( a ) ( 3 ). Several inquiries were made by lenders and finance companies to whom I gave no authorization, and Equifax failed its duty to prevent or remove unauthorized access to my report.

Actions Taken : I disputed these inaccuracies with Equifax multiple times throughout XXXX, supplying detailed explanations of errors. Equifax responded with generic verified as accurate results without providing the method of verification, original documentation, or any evidence that a real investigation was performed. Many accounts continue to show illegal re-aging, missing XXXX, and contradictory information. 

Impact : Equifaxs ongoing violations have caused financial damage, including credit denials, higher interest rates, lost opportunities, emotional distress, and significant time/effort spent attempting to correct issues Equifax is legally obligated to handle. 

Requested Action : I request that the CFPB compel Equifax to : Perform a full and lawful reinvestigation as required by FCRA 611.

Delete or correct all inaccurate, unverifiable, or non-co
mpliant information.

Remove all unauthorized hard inquiries under FCRA 604 ( f ).

Provide full verification documentation, including DOFD, original contracts, and furnisher investigation results.

Comply with all relevant FCRA sections, including 602, 604, 605, 607, 611, and 623.

Due to the extent of Equifaxs willful noncompliance, I am pursuing legal action against Equifax individually for statutory and actual damages under FCRA 616 and 617.

Company response to consumer: Closed with explanation