Consumer complaint received 2025-11-21 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:
Equifax is engaging in a systemic, willful pattern of illegal credit reporting, failure to investigate, and intentional violations of the Fair Credit Reporting Act ( FCRA ). The inaccuracies, contradictions, re-aging, and unverifiable accounts Equifax continues to publish, despite multiple disputes and prior CFPB complaints, demonstrate that Equifax is not conducting lawful reinvestigations, is not verifying information, and is not complying with federal law. 

This complaint targets every negative item Equifax is reporting because none of these accounts meet FCRA accuracy, verification, completeness, or reinvestigation standards. 

Below is a complete legal breakdown of each violating account, with statutes and violations cited. 

I. GLOBAL FCRA VIOLATIONS BY EQUIFAX ( Affects Every Account ) 1. FCRA 607 ( b ) Failure to Assure Maximum Possible Accuracy Equifax is reporting contradictory, inconsistent, incomplete, impossible, and unverifiable data across multiple tradelines, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and more. 

2. FCRA 611 ( a ) Failure to Conduct a Reasonable Reinvestigation Equifax has issued generic verified as accurate responses despite : No documentation No itemization No DOFD No XXXX field proof No actual verification evidence This is illegal under XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX 

3. FCRA 611 ( a ) ( 5 ) ( A ) Failure to Delete Unverifiable Information Equifax continues publishing accounts that can not be verified or contain contradictory payment histories.

4. FCRA 623 ( a ) ( 1 ) ( A ) Reporting Information Known to Be Inaccurate Equifax knowingly reports data that directly contradicts other bureaus and its own records.

5. FCRA 1681n / 1681o Willful and Negligent Violations Equifax is liable for statutory, punitive, and actual damages.

II. ACCOUNT-BY-ACCOUNT VIOLATION ANALYSIS 1. XXXX/ XXXX Charge-Off {$2500.00} Violations : Conflicting statuses across bureaus ( impossible in XXXX ) Re-aged dates into XXXX ( illegal under 605 ( c ) ) Balance inflation suggesting unlawful post-charge-off fees No provided contract, DOFD, or verification Contradictory payment histories Laws Broken : FCRA 607 ( b ) FCRA 611 ( a ) FCRA 611 ( a ) ( 5 ) ( A ) FCRA 623 ( a ) ( 1 ) ( A ) FCRA 1681n & 1681o Dodd-Frank UDAAP ( abusive practices ) Result : This account is unverifiable, illegal, and must be immediately deleted. 

2. XXXX XXXX  Inconsistent Delinquency Reporting Violations : XXXX says 60 days delinquent EQ says not more than XXXXhree payments past due XXXX says something else entirely This is factually impossible. 

Laws Broken : FCRA XXXX ( b ) FCRA XXXX ( a ) XXXX XXXX XXXX  XXXX XXXX XXXX & XXXX Result : Must be deleted as unverifiable. 

3. XXXX XXXX Charge-Off ( Equifax Only ) Equifax is the only bureau reporting this derogatory item. 

Violations : Missing on other bureaus unverifiable No DOFD provided No payment history No chain of title No verification documents Laws Broken : 607 ( b ) 611 ( a ) 611 ( a ) ( 5 ) ( A ) Result : Deletion required.

4. XXXX XXXX Conflicting Status & Improper Updating Violations : XXXX shows In collection {$310.00} XXXX  shows Settled EQ shows Closed/Settled {$0.00} Laws Broken : 607 ( b ) 611 ( a ) 602 ( a ) Result : Unverifiable Delete. 

5. ALL XXXX XXXX  ACCOUNTS XXXX XXXX XXXX XXXX  ) Violations : Closed in XXXX Equifax showing reporting past XXXX This is textbook re-aging Laws Broken : 605 ( a ) 605 ( c ) 611 ( a ) XXXX re-aging precedent Result : Immediate deletion required. 

6XXXX XXXX XXXX Inconsistent Multi-Bureau Reporting Violations : XXXX & XXXX report closed/paid EQ missing tradelines Incomplete / unmatched data Violates completeness & accuracy standards Laws Broken : 607 ( b ) 611 ( a ) Result : Delete due to unverifiable furnishing.

III. MULTIPLE DISPUTES IGNORED PATTERN OF MISCONDUCT Equifax has ignored : Multiple written disputes Multiple online disputes Multiple CFPB disputes Each time issuing : Verified as accurate Updated where applicable Can not delete accurate information None of these statements are supported by documentation and violate : 611 ( a ) XXXX XXXX XXXX XXXX This pattern shows willful noncompliance, activating punitive damages. 

IV. CONSUMER DAMAGES ( FULL COMPENSATION DEMANDED ) Due to Equifaxs false reporting and failed reinvestigations, I have suffered : Lower credit scores Credit denials Higher interest rates Loss of financial opportunities Emotional XXXX  Time/costs attempting to correct errors These are compensable under : 1681n ( willful ) 1681o ( negligent )

Company response to consumer: Closed with non-monetary relief