Consumer complaint received 2025-05-16 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: MI

Complaint narrative:
Let it be absolutely clear : This is not my XXXX complaint against Equifaxbut it is further proof that your so-called investigations are nothing more than rubber-stamped validations of incorrect, damaging information. 

This is yet another formal dispute and complaint specifically against Equifax for its ongoing failure to correct blatantly inaccurate and harmful credit reportingeven after multiple prior investigations and irrefutable evidence have been submitted. 

Despite receiving concrete, written documentation directly from XXXX Bank, Equifax continues to report the XXXX  account as verified and accurate, when in fact the tradeline is filled with factual errors, false activity, and contradictory statements. 

How is it even possible that Equifax continues to verify this account as accurate while completely ignoring the written letter from the XXXX Bankthat directly proves the reporting is false? This raises serious concerns about whether any real investigation took place at all, and whether Equifax is simply auto-validating data without reviewing the documented evidence submitted by the consumer. 


Factual Issues : The account was charged off in XX/XX/XXXX per documentation provided directly by XXXX Bank. 
No payments have been made since XX/XX/XXXX. 
XXXX stated in writing that the account was placed with XXXX for collection XXXXon XX/XX/XXXX, and again on XX/XX/XXXX. 
Despite that, XXXX is still reporting this account on my Equifax report with a past due balance of {$2500.00}, false monthly updates through XXXX, and a misleading charged-off status as if the account is still active. 
XXXX has never contacted me, never sent required debt validation letters, and never appeared on my credit reportraising serious doubts about whether the placements even occurred or were legally authorized. 

Whats Not Factually Accurate in Equifaxs Reporting : XXXX. Past Due Balance Reporting : Equifax reports a past due balance of {$2500.00}, even though the account was charged off in XX/XX/XXXX. Under Metro 2 and FCRA standards, a charged-off account should not show an ongoing past due balance unless it is in an active repayment planwhich this is not. 
XXXX. Ongoing Monthly Updates Through XXXX : Equifax continues to show monthly updates into XXXX as if the account is currently delinquent. This is impossible since XXXX confirmed there have been no payments since XX/XX/XXXX and the account was charged off in XXXX. There is no new activity that justifies continuous updates. 
XXXX. Account Ownership and Activity : Equifax is reporting the account as if it is still held by XXXX Bank, even though the creditor admits in writing that the account was placed with XXXXXXXX XXXX ( in XXXX and XXXX ). If it was sold or assigned, XXXX should no longer be furnishing updates. 
XXXX. Failure to Report Charge-Off Status Accurately : While the account is labeled as charged off, Equifaxs data reflects contradictory entriesshowing past due and OK statuses in the same period. This is inconsistent and misleading, and it violates FCRA requirements for completeness and accuracy. 
XXXX. Verification of False Data : Equifax has marked this account as Verified in response to disputes, yet it has ignored the direct letter from XXXX Bank stating the facts of the charge-off, payment history, and placements. This verification is not based on the actual data providedwhich makes it a false validation. 

Equifax marked the account as verified and updated on XX/XX/XXXX, but has not shown what documentation was used to verify the reporting. Meanwhile, the letter from XXXX proves the reporting is false. This is not a proper reinvestigation under FCRA XXXX ( a ) Legal Violations : FCRA XXXX ( a ) ( XXXX ) ( A ) : Inaccurate or unverifiable information must be corrected or deleted. Equifax failed to do so despite irrefutable evidence from the original creditor. 
FCRA XXXX ( a ) ( XXXX ) ( A ) : Furnishers must not report information they know is inaccurate. 
FCRA XXXX ( a ) ( XXXX ) : Re-aging is prohibited. The original delinquency date must not be reset or updated to keep the tradeline active. 
Metro 2 Guidelines : Charged-off accounts must reflect {$0.00} past due balances unless actively in repayment. Reporting monthly delinquencies years after charge-off is a violation. 
FDCPA XXXX ( a ) : Debt collectors are required to provide written validation within XXXX days. I never received any such notices from XXXX. 

Due to this false reporting, I have been denied credit and loan applications, charged higher interest rates on accounts that were approved, and subjected to emotional stress, anxiety, and ongoing financial harm. I have spent years disputing this accountsubmitting multiple rounds of evidenceyet Equifax continues to verify and circulate damaging information that is both inaccurate and unverifiable. 

I am demanding the full and immediate removal or correction of this tradeline from my Equifax credit report. I also request copies of all documents and verification methods used by Equifax in its most recent reinvestigation. Additionally, I demand a formal audit of Equifaxs FCRA compliance procedures, and a detailed explanation for why contradictory, first-party documentation from XXXX Bank continues to be ignored or dismissed. 

Equifaxs continued validation of this account is a deliberate and unlawful act. The reporting is factually wrong, and the burden of harm is being placed on me, the consumerdespite my good faith efforts to correct it through every appropriate channel. I request immediate regulatory review and full correction. Enough is enough. 

Under FCRA XXXX ( a ) ( XXXX ) ( A ), Equifax is legally required to delete any information that is inaccurate, incomplete, or can not be verified. The XXXX account clearly meets all XXXX conditions. Equifax has continued to verify false data even after being presented with documented proof from the original creditor showing the account was charged off in XXXX, had no payments since XX/XX/XXXX, and was sold to outside agencies. Accordingly, I am demanding full removal of this tradeline, as required by federal law.

Company response to consumer: Closed with non-monetary relief