Consumer complaint received 2025-12-07 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: TX

Complaint narrative:
Account : XXXX XXXX XXXX XXXX XXXX Account Ending XXXXXXXX XXXX XXXX I am filing a complaint against Equifax for willful and repeated violations of the Fair Credit Reporting Act ( FCRA ) regarding their inaccurate, contradictory, and misleading reporting of the XXXX XXXX XXXX loan account. Equifax has reported false derogatory information, failed to conduct a reasonable investigation, and continues to publish conflicting account data, damaging my creditworthiness in violation of FCRA 1681e ( b ), 1681i, and 1681s-2 ( b ).

Below is a line-by-line breakdown of Equifaxs willful in
accuracies as presently appearing in my credit file.

Installment / Auto Loan / Individual Equifax rep
orts this loan type and structure without validating ANY underlying contract, loan agreement, or authenticated documentation. Reporting an unverified loan structure violates FCRA 1681e ( b ). 
This is a knowing publication of unverified information. 
Equifax marks the account as Derogatory while simultaneously reporting : Balance : {$0.00} Past Due : {$0.00} Payment Status : Paid Repossession You can not label a fully satisfied {$0.00} balance account as derogatory. 
This is not a clerical mistake it is a deliberate misrepresentation and directly violates 1681e ( b ). 

A {$0.00} balance suggests : Debt cancelled or settled Possible issuance of a 1099-C No remaining legal obligation Equifax refuses to verify whether a 1099-C was issued. Continuing to report a derogatory repossession without validating the legal status of the debt is a willful failure to investigate under 1681i ( a ).

Payment Status : Repossession This is one of the most blatant contradictions. 
Equifax simultaneously reports : Payment Status : Repossession Comments : Paid Repossession Balance : {$0.00} Past Due : {$0.00} A paid repossession is not a repossession with an active derogatory status. 
Equifax knowingly continues to report conflicting statuses, violating 1681e ( b ) and 1681i. 
This is willful, not accidental. 
Equifax has not verified this information for over XXXX years, yet continues publishing it as accurate. 
This constitutes reckless disregard for the truth and is a willful violation of the FCRAs reinvestigation requirements. 
Equifax is reporting this account as inactive since XXXX with a {$0.00} balance, yet still maintains derogatory coding. 
Continuing derogatory reporting after the account is inactive and paid is a willful violation of 1681c and 1681e ( b ). 
Equifax acknowledges the account is PAID but still tags it as DEROGATORY. 
A paid account can not legally be reported as an active repossession. 
This is textbook misleading reporting under 1681e ( b ).

Publishing contradictory account data.

Equifax is failing to confirm whether a 1099-C was filed Maintaining derogatory notations without legal justification Reporting aged, unverified information Failing to conduct a reasonable reinvestigation despite multiple inconsistencies Continuing to furnish misleading information harmful to my credit profile This constitutes willful noncompliance under FCRA 1681n , resulting in actual and potential damages.

Company response to consumer: Closed with non-monetary relief