Consumer complaint received 2025-07-02 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: SC

Complaint narrative:
Dear CFPB, I am filing this complaint against Equifax for continued reporting of inaccurate, obsolete, and unverifiable items on my credit report despite formal disputes. This is a direct violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) including sections 602 ( a ), 607 ( b ), 611 ( a ), and 605 ( a ). Equifax has failed to conduct a proper reinvestigation and has not provided any documentation to validate the following accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00} Late Payment I never received proper notice of any delinquencies and the creditor has failed to validate this account upon dispute. Equifax continues reporting without verification XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment The account is closed with no balance and reporting a late payment is misleading and harmful. This has not been validated XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Chargeoff This account is resolved and reporting a chargeoff on a XXXX balance account is false and damaging. No documentation has been provided XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$800.00} Collection I never received any billing or validation from this collector. I submitted a dispute but Equifax failed to remove it or provide proof XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Chargeoff A XXXX balance account should not be listed as charged off. This is misleading and no verification has been returned XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$6700.00} XXXX XXXX billing history, agreement, or documentation has been presented. Equifax has failed to validate this debt or remove it after dispute XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Chargeoff This is a paid-off, XXXX balance account and Equifax continues XXXX report it as charged off, which is inaccurate and must be deleted XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00} Chargeoff This item has been disputed and no evidence of validation has been returned. Equifax is violating XXXX by keeping unverifiable data XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Chargeoff This account remains unvalidated and is being reported without proof of ownership or legal right to collect. It should be removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$88.00} Chargeoff I never received billing or communication from this creditor and the balance is minimal. Reporting as a chargeoff without documentation is a violation XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} Collection This collector has not presented an original agreement or signed contract. I submitted a dispute and Equifax did not remove or validate it XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$150.00} Collection No validation was returned and this remains inaccurately reported. This is damaging and unlawful reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Chargeoff This account is older than 7 years and should have been removed as obsolete under FCRA 605 ( a ) ( 4 ). Equifax continues reporting it in violation of federal law Despite formally disputing each of these accounts, Equifax has failed to conduct a reasonable investigation or remove the items. This is causing ongoing harm to my creditworthiness and violating multiple provisions of the FCRA. I am requesting the CFPB to take the following actions : Investigate Equifaxs failure to reinvestigate and correct the above inaccurate and unverifiable information Compel Equifax to delete all the items listed above that they can not legally and properly validate Require Equifax to provide copies of all documents used to verify any account they choose to continue reporting Hold Equifax accountable for failing to uphold federal consumer protection laws Thank you for your attention to this matter. I look forward to your assistance in correcting these violations and restoring the accuracy of my credit file.

Company response to consumer: Closed with non-monetary relief