Consumer complaint received 2025-08-17 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: NM

Complaint narrative:
XXXX XXXX XXXX Formal Dispute of Inaccurate Information & Violation of FCRA 1681i ( a ) Failure to Investigate and Provide Verification Procedures Statement of Complaint I am filing this complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), regarding inaccurate or unverifiable information on my credit reports. I have previously disputed these items directly with the credit bureaus, yet they failed to properly reinvestigate or correct the errors.

These inaccuracies are materially damaging to my credit standing and financial opportunities. Despite submitting supporting documentation, the bureaus have continued reporting unverifiable or outdated accounts. 

Disputed Accounts ( All accounts were still present as of XX/XX/XXXX ) XXXX XXXX Acct. XXXX XXXXXXXX {$26000.00} Reported Closed/Charge Off ; DOFD : XX/XX/XXXX. 


XXXX Acct. XXXX  XXXX {$8500.00} Closed/Charge Off ; DOFD : XX/XX/XXXX. 


XXXX XXXX Acct. XXXX  XXXX {$240000.00} XXXX Days Past Due ; DOFD : XX/XX/XXXX. 


XXXX XXXX Acct. XXXX XXXXXXXX {$170000.00} XXXX Days Past Due ; DOFD : XX/XX/XXXX. 


XXXX XXXX Accts. XXXX XXXXXXXX ( {$16000.00} ) & XXXX XXXXXXXX ( {$5800.00} ) Closed/Charge Off ; DOFD : XX/XX/XXXX. 


XXXX BANK Acct. XXXX XXXXXXXX {$38000.00} Charge Off ; DOFD : XX/XX/XXXX. 


XXXX XXXX Acct. XXXX XXXXXXXX {$29000.00} Charge Off ; DOFD : XX/XX/XXXX. 


XXXX Acct XXXX XXXX XXXXXXXX {$5700.00} Closed/Charge Off ; DOFD : XX/XX/XXXX. 


XXXX XXXX {$34000.00} Potentially Negative. 


XXXX {$8100.00} Potentially Negative. 


XXXX XXXX {$8600.00} Potentially Negative. 


XXXX XXXX  XXXX BANK {$32000.00} Potentially Negative. 


XXXX XXXX {$5800.00} & {$16000.00} Potentially Negative. 


XXXX XXXX  {$170000.00} Potentially Negative. 


XXXX BANK {$38000.00} Potentially Negative. 


Type of Inaccuracy ( all accounts ) : Unverifiable debt. 


Failure to delete or correct after prior disputes. 


Possible outdated reporting or incorrect balances. 



FCRA Violations by the Bureau Did not initiate investigation within 5 business days. 


Did not complete investigation within 3045 days. 


Did not forward disputes to furnishers. 


Did not delete/correct unverifiable information. 


Did not notify me of results within 5 days of completion. 


Request for ACDV ( Verification Procedures ) I request, under FCRA 611, that the bureau provide : Names, business addresses, and contact details of each furnisher/individual contacted in the reinvestigation. 


A description of procedures used to verify the disputed accounts.

An explanation of why the accounts were verified despite evidence proving otherwise.

Requested Resolution Immediate deletion or correction of all disputed items.

Written confirmation of actions taken within 15 days.

A free updated credit report after completion. 


Notification to all creditors who received my inaccurate file in the last 6 months ( or 2 years for employment purposes ). 


Legal Notice Failure to comply with FCRA requirements will result in formal complaints to the CFPB, FTC, and Attorney Generals Office, and I reserve my right to seek damages under 15 U.S.C. 1681n & 1681o for willful and negligent violations.

Company response to consumer: Closed with non-monetary relief