Consumer complaint received 2025-06-26 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: LA

Complaint narrative:
CFPB Complaint Against Equifax I am filing this formal complaint against Equifax for its failure to maintain accurate, complete, and verifiable information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), 15 U.S.C. 1681i, and 15 U.S.C. 1681c. Equifax has continued to report multiple inaccurate, outdated, and unverifiable accounts despite multiple attempts to have these errors corrected. These accounts have caused me severe financial and emotional distress, including denials for credit, increased interest rates, and reputational damage. Below I have listed each of the disputed accounts with relevant details, specific issues, and the applicable law violated. I am requesting the immediate deletion or correction of all the inaccurate entries and full compliance with federal laws. 
XXXX XXXX XXXX High Balance : {$670.00} Date Opened : XX/XX/XXXX Status : Charge Off Issue : This account is being inaccurately reported as a charge-off. I have not received proper validation from the creditor. There is no accurate documentation provided by Equifax supporting this derogatory mark.

Law Violated : 15 U.S.C. 1681e ( b ) Equifax failed to ensure maximum possible accuracy.

Law Violated : 15 U.S.C. 1681i Equifax did not conduct a reasonable reinvestigation. 
XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$2000.00} Date Opened : XX/XX/XXXX Status : Late Payment Issue : This account is reporting multiple late payments that are not accurate. No verification has been provided, and payments were made on time based on my records.

Law Violated : 15 U.S.C. 1681i Equifax did not reinvestigate this dispute properly.

Law Violated : 15 U.S.C. 1681e ( b ) Failure to report accurate payment history. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$530.00} Date Opened : XX/XX/XXXX Status : Late Payment Issue : Inaccurate late payment is reported for this account. XXXX XXXX has not verified the reporting with proof of delinquency. This has impacted my score negatively.

Law Violated : 15 U.S.C. 1681e ( b ) Equifax failed to verify accuracy.

Law Violated : 15 U.S.C. 1681i Inadequate reinvestigation process. 
XXXX XXXXXXXX XXXX High Balance : {$14000.00} Date Opened : XX/XX/XXXX Status : Charge Off Issue : This charge-off was never properly validated. The creditor failed to provide original signed agreements, payment history, or notification. The reporting is inaccurate and damaging.

Law Violated : 15 U.S.C. 1681e ( b ) Data not maximally accurate.

Law Violated : 15 U.S.C. 1681i Equifax did not conduct an adequate reinvestigation.

DEPT OF ED/XXXX XXXX XXXX High Balance : {$2000.00} Date Opened : XX/XX/XXXX Status : Late Payment Issue : Late payments are being reported despite forbearance and deferment periods. These were government-backed student loans with protected statuses not correctly reflected.

Law Violated : 15 U.S.C. 1681c Reporting of obsolete information and incorrect status.

Law Violated : 15 U.S.C. 1681i Equifax failed to reinvestigate.

DEPT OF ED/XXXX XXXX XXXX High Balance : {$3500.00} Date Opened : XX/XX/XXXX Status : Late Payment Issue : Same as above late payments reported during deferment. Equifax has not corrected this despite multiple disputes and evidence provided.

Law Violated : 15 U.S.C. 1681e ( b ) Inaccuracy in payment status.

Law Violated : 15 U.S.C. 1681i No proper reinvestigation. 
XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$1300.00} Date Opened : XX/XX/XXXX Status : Collection Issue : This collection account is being reported without any validation of debt. I have not received a dunning letter nor any agreement linking me to this account.

Law Violated : 15 U.S.C. 1681b Permissible purpose not established.

Law Violated : 15 U.S.C. 1681e ( b ) Account accuracy not ensured.

Law Violated : 15 U.S.C. 1681g Failure to disclose source of information. 
XXXX XXXX XXXX XXXX XXXX High Balance : {$3000.00} Date Opened : XX/XX/XXXX Status : Collection Issue : This debt is unverifiable. The collection agency has failed to provide any proof that the debt is valid or that I owe it. Reporting without proper validation violates FCRA provisions.

Law Violated : 15 U.S.C. 1681e ( b ) Reporting inaccurate and unverified debt.

Law Violated : 15 U.S.C. 1681i Failure to properly investigate dispute.

Law Violated : 15 U.S.C. 1681g Lack of transparency in disclosure.

These inaccurate entries are causing serious harm to my credit profile and are in clear violation of my rights under the Fair Credit Reporting Act. I am demanding that Equifax immediately delete or correct all disputed items mentioned in this complaint and provide documentation verifying the accuracy of each account. I also request that the CFPB investigate Equifax for systemic violations of federal law and consumer rights.

Company response to consumer: Closed with non-monetary relief