Consumer complaint received 2025-06-20 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: TX

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against Equifax Information Services , LLC for its ongoing failure to maintain accurate information on my credit report. This includes the reporting of inaccurate and unverifiable accounts, improper account statuses, and failure to correct or delete information despite multiple disputes. This is in clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and other applicable federal laws.

Background and Summary of the Issue : Despite previously filing disputes with Equifax and providing supporting documentation, the following accounts continue to appear on my credit report with incorrect or misleading information. These entries are causing significant harm to my creditworthiness, preventing me from accessing fair credit opportunities, and are being reported without adequate verification or investigation, in direct violation of FCRA provisions. 
Accounts in XXXX : XXXX. XXXX XXXX Account Number XXXX # XXXX XXXX XXXX XXXX XXXX XXXX o Date Opened : XX/XX/XXXX o Balance Owed : {$2400.00} o Status : Incorrectly reported as Charge Off o Violation : FCRA 1681i ( a ) Failure to reinvestigate disputed information o Issue : This account has been inaccurately marked as charged off. No proper investigation or validation of debt has been conducted by Equifax. 
XXXX. XXXX o Account Number : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  o Date Opened : XX/XX/XXXX o High Balance : {$21000.00} o Status : Incorrectly reported as Charge Off o Violation : FCRA 1681e ( b ) Failure to maintain maximum possible accuracy o Issue : This account is duplicative of the XXXX account. Reporting both accounts simultaneously constitutes double jeopardy, which misrepresents the total debt owed and artificially inflates my debt-to-income ratio. 
XXXX. XXXX XXXX XXXX  o Account Number : # XXXX XXXX XXXX o Date Opened : XX/XX/XXXX o High Balance : {$5600.00} o Status : Incorrectly reported as Charge Off o Violation : FCRA 1681i and 1692g ( b ) ( Fair Debt Collection Practices Act Failure to validate debt upon request ) o Issue : This account has been disputed due to lack of validation and inaccurate balance reporting. Equifax has failed to update the report accordingly. 
XXXX. XXXX XXXX XXXX  o Date of Inquiry : XX/XX/XXXX o Issue : Unauthorized or Unverified Hard Inquiry o Violation : FCRA 1681b ( c ) Permissible purposes for consumer reports o Issue : I never authorized this inquiry. According to FCRA guidelines, a hard inquiry must have a clear permissible purpose and consumer consent. This was not obtained.

Legal Violations Committed by Equifax : FCRA 1681e ( b ) : Failure to maintain accurate records.

FCRA 1681i ( a ) : Failure to conduct a reasonable reinvestigation after a consumer dispute.

FCRA 1681b ( c ) : Unauthorized credit inquiries without consumer permission. 
FCRA 1681s-2 ( b ) : Furnisher 's duty to investigate and correct disputed information. 
Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ) : Failure to validate debts. 
Relief Requested : I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly and compel Equifax to : XXXX. Delete or Correct the above-referenced accounts that are inaccurate, unverifiable, or duplicative. 
XXXX. Remove XXXX XXXX by XXXX XXXX Bank dated XX/XX/XXXX. 
XXXX. Ensure Future Compliance with the FCRA by implementing more stringent verification processes. 
XXXX. Provide a detailed explanation and supporting documentation regarding the method of verification used for each account. 
Impact on Me as a Consumer : This ongoing reporting of inaccurate and unverified information has caused substantial emotional distress, denial of credit, and financial hardship. I am being unfairly penalized for accounts that are either duplicative, unauthorized, or not adequately validated. Equifax 's failure to uphold their obligations under federal law has undermined my right to accurate credit reporting.

Company response to consumer: Closed with non-monetary relief