Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Complaint Type : Continued FCRA Violations/ Sham Dispute Process / Re-Aging of Resolved Debts Summary of Complaint I am filing this formal complaint against Equifax Information Services LLC for repeated violations of the Fair Credit Reporting Act ( FCRA ) and Florida consumer-protection law. Equifax has failed to delete or correct tradelines involving settled, disputed, and unverified debts across multiple furnishersdespite clear documentary evidence and prior CFPB/FTC complaints.

Equifaxs sham dispute investigations, uncorrected reporting, and ongoing monthly CO charge-off re-aging have materially harmed my creditworthiness, obstructed recovery efforts following medical hardship, and facilitated improper litigation by creditors.

Tradelines with Ongoing XXXX XXXX Violations The following accounts continue to re-report charge-off statuses monthly, in violation of XXXX XXXX standards and FCRA accuracy requirements : 1. XXXX  XXXX XXXX Acct ending XXXX CO  re-reported : 23 months Range : XX/XX/XXXX to XX/XX/XXXX Acct ending XXXX CO  re-reported : 21 months Range : XX/XX/XXXX to XX/XX/XXXX 2. XXXX XXXX  ( All Accounts ) XXXX XXXX : ~13 months of re-aging XXXX XXXX and Extras XXXX : XXXX months CO recurrence XXXX & XXXX Branded XXXX  Accounts : uncorrected dispute markers and charge-offs 3. XXXX XXXX ( All Accounts ) CO recurrence on five separate tradelines Ranges from XX/XX/XXXX to XX/XX/XXXX Accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX entries persist even after closed and disputed status was resolved 4. XXXX XXXX XXXXXXXX ( Target Card ) Verified without cure Estimated 12+ monthly violations No suppression codes or deletions 5. XXXX, XXXX XXXX, XXXX XXXX Charge-off indicators persist post-dispute Estimated 30 combined monthly violations Total FCRA Violation Estimate Across Equifax : Over 200 separate violations, including failures to correct, delete, suppress, and accurately update tradelines.

Statutes Violated 15 U.S.C. 1681e ( b ) : No procedures ensuring maximum accuracy.

15 U.S.C. 1681i ( a ) : Failure to properly reinvestigate disputed accounts.

15 U.S.C. 1681i ( a ) ( 5 ) : Failure to delete unverifiable information.

15 U.S.C. 1681s-2 ( b ) : Noncompliance by furnishers reported without scrutiny.

15 U.S.C. 1681n/o : Willful and negligent violation liability.

Fla. Stat. 501.204 and 559.72 ( 15 ) : Deceptive and misleading credit representation under Florida UDAP law. 

Supporting Case XXXX XXXX XXXX XXXX XXXX XXXX XXXX must conduct meaningful reinvestigations. 

XXXX v. Equifax ( XXXX Cir. XXXX ) Monthly CO re-aging is misleading and violates accuracy duties. 

XXXX XXXX XXXX  XXXX XXXX ( XXXX. XXXX XXXX ) Post-settlement tradeline updates are mandatory. 

XXXX  v. Equifax ( XXXX XXXX XXXX ) Repeated derogatory reporting constitutes actionable harm. 

A copy of all complaints, notes and responses by Equifax are being sent to my FCRA attorney. 

Furthermore, a FTC complaint was filed, and a separate FL ATTY General complaint for continued violations of established consumer laws and " SHAM INVESTIGATIONS ''. 

Disputes have been ongoing first by XXXX XXXX XXXX in XXXX and since XX/XX/XXXX by myself. Equifax 's 30-day reinvestigation window does not apply here, as this dispute has persisted without resolution across multiple cyclesrendering their process both untimely and ineffective under 15 U.S.C. 1681i ( a )

Company response to consumer: Closed with non-monetary relief