Consumer complaint received 2025-08-10 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:
I am filing this complaint because Equifax has failed to comply with its legal obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), 1681i ( a ), and 623 ( a ) ( 1 ) ( A ) by continuing to report inaccurate, misleading, and unverified information despite my disputes. 

XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account Issue : This account, opened XX/XX/XXXX, is listed as a charge-off with a {$0.00} balance. If the balance is XXXX, the status should accurately reflect paid, settled, or closed without derogatory remarks. Reporting a charge-off with no balance misrepresents the accounts true status and harms my creditworthiness.

Law : FCRA 1681e ( b ) requires maximum possible accuracy in reporting, and FCRA 1681i ( a ) requires a reasonable reinvestigation when a consumer disputes an item. Equifaxs continued reporting after my disputes shows noncompliance. 

XXXX. XXXX XXXX XXXX XXXX Account Issue : This account, opened XX/XX/XXXX, is reported as an active collection with a {$580.00} balance. The furnisher has not provided proper validation or proof that I legally owe this debt. Reporting without verifiable documentation is unlawful.

Law : FCRA 1681i ( a ) requires reinvestigation of disputed items, and 623 ( a ) ( 1 ) ( A ) prohibits reporting information known to be inaccurate. Equifax is violating both by allowing this account to remain without proof. 

XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Issue : This account, opened XX/XX/XXXX, is reported as a {$260.00} collection. The furnisher has failed to produce full validation and proof of accuracy. Keeping this account on my report without evidence is harmful and misleading. 

Law : FCRA 1681i ( a ) and 623 ( a ) ( 1 ) ( A ) apply here as well, requiring both the credit bureau and the furnisher to verify accuracy before reporting. 

XXXX. XXXX XXXX Charged Off Account Issue : This account, opened XX/XX/XXXX, is reported as a charge-off with a balance of {$49.00}. The reporting fails to show accurate payment history and lacks documentation proving the account is valid. Without proper validation, it should not remain on my credit file.

Law : FCRA 1681e ( b ) and 1681i ( a ) require accuracy and reinvestigation, and 623 ( a ) ( 1 ) ( A ) prohibits the reporting of unverified information. 

Harm Caused : These unverified and misleading accounts have significantly damaged my credit score, caused financial loss, and restricted my access to credit. 

Requested Resolution : Delete the XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX or correct them to reflect accurate, complete, and non-derogatory information. 

Delete the XXXX XXXX XXXX and XXXX XXXXXXXX XXXX  XXXX collection accounts unless full, documented proof of accuracy is provided. 

Equifaxs continued reporting of inaccurate and unverified data despite my disputes constitutes willful noncompliance with the FCRA. I request immediate CFPB intervention to ensure these violations are addressed and my credit file is corrected.

Company response to consumer: Closed with explanation