Consumer complaint received 2025-12-15 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: CA

Complaint narrative:
I am submitting this formal refiling complaint against EQUIFAX for its continued reporting and republication of false, incomplete, misleading, and unverifiable information on my consumer credit file. Despite receiving prior notice through multiple disputes and supporting documentation, EQUIFAX has failed to comply with its non-delegable obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2, as well as the California Consumer Credit Reporting Agencies Act ( CCCRAA ), California Civil Code 1785.101785.25. EQUIFAXs ongoing failure to correct known inaccuracies constitutes negligent and willful noncompliance with federal and state consumer protection law. 

Continued reporting of inaccurate and unverifiable accounts My consumer report continues to contain materially inaccurate information related to the following accounts, all of which have been previously disputed with valid supporting documentation : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Each of these tradelines contains false, incomplete, or misleading information that materially misrepresents my payment history, account status, or liability. 

Failure to assure maximum possible accuracy Under 15 U.S.C. 1681e ( b ) and California Civil Code 1785.25 ( a ), EQUIFAX is required to maintain reasonable procedures to assure the maximum possible accuracy of consumer information. EQUIFAX has failed to meet this obligation by continuing to report unverifiable late payments, charge-offs, and collection accounts without certified validation from the original creditors or competent evidence supporting the accuracy of the data. 

Specifically : XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX report late payments that never occurred XXXX XXXX XXXXXXXX and XXXX XXXX report collection accounts that were paid prior to placement XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXXXXXX continue to report charge-off statuses on accounts that were paid in full before closure XXXX XXXX XXXX XXXX  reflects late payments that are factually inaccurate and unsupported by payment records The continued publication of these inaccuracies demonstrates a failure to employ reasonable procedures and constitutes a direct violation of federal and state law. 

Failure to conduct a lawful reinvestigation Following my disputes, EQUIFAX was required under 15 U.S.C. 1681i ( a ) ( FCRA 611 ( a ) ) and California Civil Code 1785.16 to conduct a reasonable, good-faith reinvestigation using competent, verifiable, and original source documentation. Instead, EQUIFAX failed to correct or delete the disputed information and failed to provide evidence that a lawful reinvestigation was conducted. Reliance on automated responses or unverified furnisher assertions does not satisfy the statutory reinvestigation standard. 

This failure constitutes willful noncompliance and reckless disregard for my rights as a consumer. 

Unfair and deceptive practices and XXXX XXXX noncompliance By continuing to publish known false information to third parties, EQUIFAX is engaging in unfair and deceptive business practices that violate California Business and Professions Code XXXX, the Fair Credit Reporting Act, and other U.S. federal consumer protection statutes. Each inaccurate tradeline also represents a failure to adhere to proper XXXX XXXX reporting standards, which require complete, accurate, and verifiable data integrity. 

EQUIFAXs actions have caused measurable harm to my XXXX  scores, credit reputation, and access to financial opportunities, depriving me of fair and equal access to credit.

Company response to consumer: Closed with non-monetary relief