Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Dear CFPB Investigator, I am filing this formal complaint against Equifax for their continued reporting of inaccurate, outdated, and unverifiable information on my consumer credit report, despite my repeated disputes. I have already submitted direct disputes to Equifax but the accounts continue to appear with damaging information that violates federal consumer protection laws. 
Below is a detailed list of the accounts and issues being reported on my Equifax credit report which I dispute as inaccurate, incomplete, or unverifiable. I am requesting your office to investigate and instruct Equifax to delete or correct these harmful items. 
DISPUTED ACCOUNTS & ISSUES : 1. DEPT OF EDXXXX  Acct # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$22000.00} | Date Opened : XX/XX/XXXX | Status : Late Payment * * Issue : Reported as XXXX days late, which is not only inaccurate but was never validated or verified with documentation upon my dispute. 
Law Violated : FCRA 611 ( 15 USC 1681i ) Failure to reasonably investigate a dispute.

2. DEPT OF ED/XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$3700.00} | Date Opened : XX/XX/XXXX | Status : Late Payment * * Issue : This debt has been previously consolidated and should not be reported as currently delinquent. 
Law Violated : FCRA 605 ( 15 USC 1681c ) Reporting obsolete information.

3. DEPT OF ED/XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$1700.00} | Date Opened : XX/XX/XXXX | Status : Late Payment * * Issue : Duplicate reporting under same servicer and similar account number, which creates an inaccurate reflection of debt. 
Law Violated : FCRA 607 ( b ) Obligation to report maximum accuracy.

4. DEPT OF ED/XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$6700.00} | Date Opened : XX/XX/XXXX | Status : Late Payment * * Issue : The account was in deferment during the months reported as late, and no payments were due. 
Law Violated : FCRA 623 ( a ) ( 1 ) ( A ) Furnisher may not report information known to be inaccurate.

5. DEPT OF ED/XXXX  Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$2200.00} | Date Opened : XX/XX/XXXX | Status : Late Payment * * Issue : No notice of late payment was provided, and I was not given an opportunity to cure or appeal. 
Law Violated : FCRA 609 Right to full disclosure of account and reporting history.

6. DEPT OF ED/XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$7300.00} | Date Opened : XX/XX/XXXX | Status : Late Payment * * Issue : Payment history inaccurately reflects multiple missed payments even after account was placed in forbearance. 
XXXXw Violated : FCRA 623 ( b ) Duty to investigate and correct errors.

7. DEPT OF ED/XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$3500.00} | Date Opened : XX/XX/XXXX | Status : Late Payment * * Issue : Account was transferred and closed but still showing new delinquencies post-closure. 
Law Violated : FCRA 605B Duty to block inaccurate information. 
8. DEPT OF EDXXXX  Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$3700.00} | Date Opened : XX/XX/XXXX | Status : Late Payment * * Issue : Reporting same balance and late payment as other accounts, which appears to be redundant/deceptive.

Law Violated : FCRA 602 Consumer rights to fair and accurate reporting. 
XXXX. XXXX XXXX Acct # : XXXX High Balance : {$7000.00} | Date Opened : XX/XX/XXXX | Status : Charge-Off * * Issue : I never received a final delinquency notice or settlement offer. I also never received proper validation of the debt.

Law Violated : FDCPA 809 ( b ) Validation of debts required upon request. 
UNAUTHORIZED OR SUSPICIOUS INQUIRIES : XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : No permissible purpose. I did not authorize this hard inquiry nor was I seeking credit. 
Law Violated : FCRA 604 ( a ) ( 3 ) Permissible purpose for consumer report access. 
XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX Issue : Unverified inquiryno application or contract was submitted.

Law Violated : FCRA 604 ( a ) ( 2 ) Accessing credit report without consumer consent. 
XXXX. XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : I never applied for credit or authorized any dealership pull on this date.

Law Violated : FCRA 604 ( a ) ( 3 ) ( F ) ( i ) Inquiry without permissible intent or legitimate business need.

MY FULL STORY : I have been facing enormous hardship due to inaccurate, redundant, and unverified information on my Equifax credit report. I am a law-abiding consumer, and yet my credit profile is being destroyed due to negligence, data mishandling, and refusal to conduct proper investigations by Equifax. Despite sending dispute letters and evidence, they have repeatedly failed to : Verify accounts in accordance with the law. 
Provide me documentation from the data furnishers. 
Remove outdated or duplicate student loan entries. 
Cease reporting of unauthorized hard inquiries. 
This has directly resulted in denial of credit, increased interest rates, emotional distress, and loss of financial opportunities. I am urgently requesting your assistance in holding Equifax accountable and compelling them to permanently delete or correct the disputed items under the FCRA and FDCPA.

RELIEF SOUGHT : 1. Immediate deletion or correction of all inaccurate and unverifiable accounts listed above.

2. Removal of unauthorized or impermissible hard inquiries from my file.

3. Written confirmation of the outcome of your investigation.

4. Equifax to comply fully with FCRA 611 and FDCPA 809 by providing documentation or deleting unverified items.

Thank you for your assistance in resolving this matter and ensuring consumer protection.

Company response to consumer: Closed with non-monetary relief