Consumer complaint received 2025-06-23 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: CT

Complaint narrative:
Summary of Complaint : This is my second formal complaint against Equifax for continuing to report inaccurate, unverified, and outdated negative information on my credit report in violation of multiple sections of the Fair Credit Reporting Act ( FCRA ). Despite initiating a dispute previously, Equifax has failed to comply with the law by neither conducting a proper reinvestigation nor providing validation for the accounts and inquiries in question. I am demanding full deletion of the disputed entries listed below. 

Accounts in Dispute : XXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX | High Balance : {$3200.00} Late Payments Issue : I disputed this account in the first round due to inaccurate reporting of late payments. No supporting evidence was provided to validate these derogatory marks. 

Violation : FCRA 611 failure to verify upon consumer dispute requires removal. 

XXXXXXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX | High Balance : {$3300.00} Charge Off Issue : This account exceeds the XXXX-year reporting limit for derogatory accounts. 

Violation : FCRA 605 ( a ) ( 4 ) obsolete information must be purged after XXXX years. 

XXXXXXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX | High Balance : {$11000.00} Charge Off Issue : Also obsolete and still being reported past the legal reporting window. 

Violation : FCRA 605 ( a ) continued reporting of time-barred negative data. 

XXXX XXXXXXXX XXXX XXXXXXXX Opened : XX/XX/XXXX | High Balance : {$1000.00} Charge Off Issue : Previously disputed due to lack of verification. Equifax has not provided documentation, such as a signed contract or payment history. 

Violation : FCRA 611 & 1681i a reasonable reinvestigation was not performed. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX | High Balance : {$120000.00} Late Payments Issue : These late payments occurred during a documented period of financial hardship. No accommodation or valid reinvestigation was conducted.

Violation : FCRA 1681i failure t
o consider or investigate supporting information submitted by the consumer.

Unauthorized Hard Inquiries : I am also disputing the following unauthorized hard inquiries on my Equifax report. I never gave written or verbal authorization for these companies to access my credit. Under FCRA 604 ( a ) ( 3 ), a credit inquiry requires a permissible purpose and proper authorization : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries have negatively impacted my credit profile, and I was not applying for any credit, insurance, or service at the time of the inquiries. 

Requested Resolution : I am formally requesting that the CFPB require Equifax to : Immediately delete all listed accounts and inquiries above from my credit report. 

Provide a detailed explanation of their reinvestigation process and the evidence they relied upon. 
Enforce my consumer rights under : FCRA 605 ( a ) obsolete items must not be reported after 7 years FCRA 611 failure to reinvestigate properly FCRA 604 ( a ) ( 3 ) unauthorized inquiries without permissible purpose Closing Statement : This is my second attempt to have these errors corrected. Equifaxs continued reporting of unverified, inaccurate, and time-barred information not only violates FCRA and CFPA, but is also causing unjust harm to my creditworthiness. If Equifax fails to take corrective action, I will consider additional legal remedies under FCRA 616 & 617 for willful and negligent noncompliance.

Company response to consumer: Closed with non-monetary relief