Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am filing this formal complaint against Equifax due to the inaccurate, incomplete, and outdated information being reported on my credit file. Despite multiple disputes and requests for correction, Equifax has failed to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, by continuing to report erroneous, unverifiable, and damaging information. Below are the accounts currently being inaccurately reported by Equifax along with the specific issues for each account. I demand that these entries be properly investigated and either validated with proper documentation or permanently removed as required by law. 
XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX High Balance : {$480.00} Status : Charge Off * * Issue : This account is being inaccurately reported as a charge-off. I have never received proper written validation of the debt from either XXXX XXXX or Equifax. No proof of original signed contract, payment history, or chain of custody of debt has been provided despite multiple requests. 
Violation : FCRA 1681i ( a ) failure to reinvestigate disputed information ; FCRA 1681e ( b ) failure to maintain reasonable procedures for maximum accuracy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$4200.00} Status : Late Payment * * Issue : This account is reporting repeated late payments that are inaccurate and unverified. These payments are not supported by proper records or documents and are causing unjustified damage to my credit score. The creditor has failed to validate these entries, and Equifax has failed to conduct a proper reinvestigation. 
Violation : FCRA 1681i ( a ) ; FCRA 1681e ( b ) ; FCRA 1681s-2 ( b ) furnishers duty to investigate XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$3800.00} Status : Late Payment * * Issue : This account shows multiple derogatory marks that I do not recognize. No supporting documentation has been provided. This entry is unverified and appears to have been added without proper validation. Equifax has refused to remove this inaccurate information despite my attempts to dispute it. 
Violation : FCRA 1681i ( a ) ; FCRA 1681b permissible purpose violations ; FCRA 1681e ( b ) XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$53000.00} Status : Late Payment * * Issue : This account includes numerous late payment notations that are either incorrect or reported outside of the allowable timeframe. Under the Higher Education Act and FCRA, servicers are required to report accurate information and validate entries upon request. That has not happened in this case. 
Violation : FCRA 1681s-2 ; FCRA 1681i ; HEA compliance issues XXXX  XXXX Date Opened : XX/XX/XXXX High Balance : {$860.00} Status : Collection * * Issue : This account is reporting as a collection, but I have never received any communication from this company. There is no contract, no account number match, and no validation of debt provided. This collection is unverified, and Equifax continues to report it without properly investigating or removing the entry. 
Violation : FCRA 1681g right to full disclosure ; FCRA 1681i ; FDCPA 809 ( b ) validation of debts Overall Statement : These inaccurate entries are directly harming my financial stability, job opportunities, and access to housing and credit. Equifax is in violation of multiple sections of the Fair Credit Reporting Act by continuing to report unverifiable, outdated, and erroneous information despite being notified through prior disputes. The lack of reasonable investigation and the continued furnishing of false data is gross negligence. I am requesting a full investigation and permanent deletion of the above-mentioned accounts unless Equifax and the furnishers can provide complete and legally valid documentation verifying the legitimacy of each claim.

Company response to consumer: Closed with non-monetary relief