Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint against Equifax for continuing to report inaccurate, misleading, and unverified information regarding a disputed and alleged XXXX XXXX account. I do not acknowledge this account as accurate, and I do not admit to owing any debt. This dispute is made under my rights provided by the Fair Credit Reporting Act ( FCRA ). 

This complaint is related to unresolved issues previously reported in CFPB XXXX XXXX. XXXX, where XXXX XXXX XXXX XXXX validate this alleged account, and Equifax failed to ensure data accuracy after dispute. Equifax is now in continued violation after notice, which constitutes willful noncompliance. 


XXXX. Equifax is Reporting Inaccurate and Conflicting Account XXXX Equifax is reporting false and conflicting information regarding an alleged XXXX XXXX account, including : Status listed as Closed but Remarks state Charged Off, which is contradictory Lists Activity Designator : In Repossession, yet also lists Charge-Off Reporting a {$2700.00} balance on a closed account, which is misleading and illegal without legal validation Reports a Last Payment Date of XX/XX/year>, which constitutes illegal re-aging Continues reporting despite prior disputes, suppressing my credit score This reporting violates : FCRA 623 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Reporting inaccurate information FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy XXXX. Conflicting Reporting Between Credit Bureaus Proves Inaccuracy Equifax is reporting this alleged account differently from XXXX. Equifax lists XXXX, while XXXX  lists XXXX & Loss Write-Off. These statuses are not the same and can not both be correct. This material inconsistency is itself an FCRA violation and proves that Equifax can not verify the accuracy of this tradeline. 



XXXX. Equifax Failed to Properly Investigate My Dispute I previously disputed this alleged account, but Equifax verified it without addressing : Illegal re-aging Conflicting bureau reporting Unverified balance Consumer harm This is not a lawful investigation and violates : FCRA 611 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct reasonable reinvestigation FCRA 611 ( a ) ( 5 ), 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Duty to delete unverifiable information FCRA 611 ( a ) ( 7 ) Failure to provide method of verification XXXX. Harm Caused by Equifax Equifax is knowingly reporting unverified harmful information that has : Lowered my credit score unfairly Prevented mortgage approval Caused financial harm and emotional stress XXXX. Legal Rights Reserved I dispute this alleged account and alleged balance in full. I do not admit to owing any debt. This complaint is submitted without waiving any rights under the FCRA or state consumer laws. The burden of proof remains on Equifax to report accurate and verifiable information. 


XXXX. Relief Requested I am requesting that the CFPB : XXXX. Order full deletion of this XXXX XXXX tradeline from my Equifax credit file XXXX. Require Equifax to provide full documentation of verification if they refuse deletion XXXX. Order Equifax to cease reporting unverifiable and misleading information XXXX. Escalate enforcement action due to continued reporting after dispute XXXX. Refer this matter for FCRA compliance review due to repeated violations XXXX. Evidence I Will Upload Screenshot of Equifax report showing conflicting and misleading status Screenshot showing illegal re-aging ( Last Payment Date XX/XX/year> ) XXXX XXXX dispute documentation Proof of prior dispute submissions

Company response to consumer: Closed with explanation