Consumer complaint received 2025-06-23 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: TX

Complaint narrative:
I am filing this complaint against Equifax Information Services LLC for its ongoing failure to ensure the maximum possible accuracy of the information it reports about me, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Despite multiple attempts to dispute inaccuracies, Equifax continues to report incorrect, incomplete, and outdated information regarding several accounts, causing harm to my creditworthiness, emotional distress, and financial opportunities.

I have already submitted disputes to Equifax, but they have failed to conduct a reasonable investigation, as mandated under 15 U.S.C. 1681i. Furthermore, Equifax is willfully violating my rights under 15 U.S.C. 1681e ( b ) by failing to maintain procedures to ensure maximum accuracy.

Account in Dispute : 1. XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/scrub>/2017 High Balance : {$12000.00} Issue : Late Payment Reporting Dispute Reason : The late payment reported is inaccurate and unverifiable. I requested validation and investigation under FCRA 1681i, but Equifax failed to conduct a reasonable reinvestigation. No documentary proof or billing statements were provided to support the negative information.

Relevant Laws Violated : FCRA 1681i : Failure to properly investigate disputed information.

FCRA 1681e ( b ) : Failure to maintain reasonable procedures for maximum accuracy.

Impact and Story : This negative entry has caused severe damage to my credit profile. I was denied for a mortgage and auto loan due to this reporting. I have consistently requested that Equifax investigate and provide evidence to support this late payment claim, but no proper documentation has been sent to me. This reflects a systemic failure by Equifax to comply with federal consumer protection laws. I believe this is a willful violation of my rights under the FCRA and has led to financial harm and mental XXXX. My rights have been ignored, and I am seeking a full investigation and correction.

What I Am Requesting Through CFPB : 1. A full and independent investigation into the dispute handling practices of Equifax for this account.

2. A complete deletion or correction of all inaccurate and unverifiable information on this account.

3. Evidence of compliance with FCRA regarding the validation and reinvestigation process.

4. Written acknowledgment from Equifax that this issue has been addressed and resolved properly.

5. Penalty or sanctions if Equifax is found to have willfully or negligently violated the FCRA.

Conclusion : Equifax 's repeated refusal to comply with the FCRA, and its careless handling of consumer disputes, demonstrates a disregard for federal law and consumer rights. I am requesting that the CFPB investigate these violations and ensure that Equifax corrects the inaccuracies on my credit report immediately.

Company response to consumer: Closed with explanation