Consumer complaint received 2025-06-19 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:
I am filing this formal complaint against Equifax for continuing to report inaccurate and harmful information on my credit report, which directly violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. 
Despite my prior dispute and the open status of my related CFPB complaint, Equifax has failed to properly investigate and remove the following inaccurate, outdated, and harmful entries from my credit file : XXXX XXXX Account # : XXXX Balance : {$740.00} Date Opened : XX/XX/XXXX Status : Collection Issue : This collection account is being reported inaccurately and has not been validated in accordance with the requirements of the FCRA 15 U.S. Code 1681i ( a ) and FDCPA 809 ( 15 U.S. Code 1692g ).

Law Violations : FCRA 1681e ( b ) : Failure to maintain maximum accuracy FCRA 1681i : Failure to properly reinvestigate upon dispute FDCPA 1692g ( b ) : No proper debt validation provided upon request XXXXXXXX XXXX XXXX XXXX Account # : XXXX * * High Balance : {$530.00} Date Opened : XX/XX/XXXX Status : Late Payment Issue : This account reflects late payments, which are inaccurate and harmful to my credit profile. These delinquencies were reported without proper investigation, violating my rights under FCRA 1681s-2 ( a ) ( 1 ) ( A ) which prohibits furnishing information known to be inaccurate.

Law Violations : FCRA 1681s-2 ( b ) : Failure to investigate disputed data FCRA 1681e ( b ) : Inaccuracy in credit reporting FDCPA 1692e ( XXXX ) : Reporting false or misleading information XXXX. XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$580.00} Date Opened : XX/XX/XXXX Status : Late Payment Issue : This account is inaccurately showing late payments, though I have previously disputed and submitted evidence. Equifax has not conducted a reasonable investigation, which is required under the FCRA. 
Law Violations : FCRA 1681i : Inadequate reinvestigation FCRA 1681s-2 ( a ) : Reporting false information after dispute FDCPA 1692f : Unfair or unconscionable means to collect debt Detailed Statement : I have taken all reasonable steps to address the above issues by directly contacting Equifax and submitting disputes. However, Equifax has repeatedly failed to perform a lawful, thorough, and fair investigation within the statutory 30-day timeframe required by FCRA 1681i ( a ) ( 1 ) ( A ). 
These accounts continue to be reported inaccurately, negatively affecting my creditworthiness and causing me emotional and financial distress. I am unable to access fair credit opportunities, rental housing, and other financial services due to these errors. 
I also want to note that I have not yet submitted this case to the Federal Trade Commission ( FTC ), as I am seeking prompt corrective action through this formal CFPB complaint first. 
XXXX XXXX : I respectfully request that the CFPB compel Equifax to : 1. Immediately remove or correct all the inaccurate and unverifiable accounts listed above.

2. Provide written verification of all items they claim are accurate.

3. Submit an updated credit report reflecting the corrected information.

4. Investigate Equifaxs practices regarding reinvestigations and reporting of consumer data.

Company response to consumer: Closed with non-monetary relief