Consumer complaint received 2025-07-02 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: MO

Complaint narrative:
I am filing this formal complaint against Equifax for continuously reporting inaccurate, outdated, and unverifiable information on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681 and its subsections. Despite multiple disputes, Equifax has failed to correct or delete the erroneous accounts, addresses, and inquiries that are causing me extreme emotional and financial distress. These inaccuracies are damaging my creditworthiness, impacting my livelihood, and violating my consumer rights. 
XXXX XXXXXXXX * * Date Opened : XX/XX/XXXX High Balance : {$310.00} Status : Charge Off This account has been marked as a charge-off, but it is not accurate, and I have disputed this information with Equifax multiple times without proper investigation or resolution. According to FCRA 1681i ( a ), the credit reporting agency is required to conduct a reasonable investigation within XXXX days. They failed to provide verification or proof of debt ownership, which is a direct violation of FCRA 1681b and 1681i. Reporting unverified and incomplete data is also a violation of 1681e ( b ) which mandates maximum possible accuracy. 
XXXX XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX High Balance : {$540.00} Status : Charge Off This account has been falsely reported as charged off. I have never received any validation notice under 15 USC 1692g. The reporting is inaccurate, incomplete, and unverifiable. I have requested proof of the original contract and payment history, which was never provided. The continued reporting of this item violates 1681i, 1681e ( b ), and is also a violation of the FDCPA ( Fair Debt Collection Practices Act ). 
XXXX XXXX XXXX XXXX * * * Date Opened : XX/XX/XXXX High Balance : {$5900.00} Status : Late Payment This entry is reporting inaccurate late payments which I dispute. I requested investigation and documentation from Equifax and the furnisher of this data, but no validation or correction was made. This violates 1681s-2 ( a ) which prohibits furnishers from reporting information they know to be inaccurate, and 1681i for failure to investigate upon consumer dispute. 
XXXX XXXX XXXX XXXX * * * Date Opened : XX/XX/XXXX High Balance : {$10000.00} Status : Late Payment This account is reporting repetitive late payments that are not mine or are inaccurately recorded. Equifax failed to conduct a reasonable reinvestigation as required by 1681i and did not ensure accuracy under 1681e ( b ). I have also requested all account ownership documentation and payment records, but no sufficient proof was ever delivered. 
XXXX XXXX XXXX XXXX * * * Date Opened : XX/XX/XXXX High Balance : {$55000.00} Status : Late Payment This entry continues to report damaging late payments that are inaccurate and unverified. I have formally disputed this account and asked for supporting documentation, but Equifax did not perform any proper verification. This is in violation of 1681e ( b ) and 1681i. They failed to remove inaccurate information and refused to provide method of verification. 
The emotional toll and financial impact of these false reports have been overwhelming. I have lost loan opportunities, been denied credit, and suffered anxiety and stress due to Equifax 's negligence in maintaining a fair and accurate report. 
Equifaxs failure to ensure data accuracy, investigate disputes, and delete unverifiable or erroneous information is a blatant violation of federal consumer protection laws. I respectfully request the CFPB to immediately investigate Equifaxs practices and hold them accountable under applicable laws. I demand the deletion or correction of all inaccurate, unverifiable, and misreported information from my credit file, and request all supporting documentation for each disputed item. 
Thank you for your assistance and swift attention to this matter.

Company response to consumer: Closed with non-monetary relief