Consumer complaint received 2025-06-26 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 a formal complaint against Equifax for failure to maintain reasonable procedures to assure maximum possible accuracy of the information they report, in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681e ( b ). Despite my previous efforts to dispute several inaccurate and unverifiable items, Equifax continues to report damaging, incomplete, and incorrect information on my credit report. This has significantly harmed me financially and emotionally. The following accounts are at the center of my complaint and must be removed or corrected immediately under FCRA guidelines. 
XXXX Acct : XXXX High Balance : {$1300.00} Date Opened : XX/XX/XXXX Status : Charge Off This account is reporting as a charge-off, but the accuracy and completeness of this data remain unverified and disputed. I have not received proper validation of this debt. This account is past the statute of limitations for reporting, and Equifax failed to investigate or provide proper reinvestigation records under FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681e ( b ).

Law Violated : FCRA 1681e ( b ), 1681i Issue : Inaccurate charge-off still reporting, outdated, no proper validation provided XXXX XXXX Acct : XXXX High Balance : {$710.00} Date Opened : XX/XX/XXXX Status : Late Payment Equifax is reporting several late payments that I have formally disputed with supporting documentation. These delinquencies are being reported without full investigation or validation. I was undergoing financial hardship at the time, and no verification was presented from the creditor. This violates my rights under the FCRA.

Law Violated : FCRA 1681s-2 ( b ), 1681e ( b ), 1681i Issue : Reporting unverifiable late payments without reinvestigation or validation of the data XXXX XXXX XXXX Acct : XXXX High Balance : {$33000.00} Date Opened : XX/XX/XXXX Status : Charge Off This account is being inaccurately reported as a charge-off without any supporting validation. No original signed contract or payment history was provided when I requested verification. Equifax is required by law to delete unverifiable or inaccurate information after reinvestigation. This has not been done, resulting in continuous harm to my credit profile.

Law Violated : FCRA 1681e ( b ), 1681i, 1681s-2 Issue : Charge-off remains on file with no verification ; failure to respond to dispute with appropriate proof XXXX  Acct : XXXX High Balance : {$940.00} Date Opened : XX/XX/XXXX Status : Collection This is a third-party collection that is reporting without validation or notice of debt. I never received a dunning letter as required under FDCPA 809 ( a ) ( 15 U.S.C. 1692g ). Equifax continues to publish this account despite no legal validation being provided and no evidence that this debt belongs to me.

Law Violated : FCRA 1681e ( b ), 1681i ; FDCPA 809 ( a ) Issue : Unverified third-party collection, no proof of debt, no notice provided to consumer XXXX XXXX XXXX Acct : XXXX High Balance : {$700.00} Date Opened : XX/XX/XXXX Status : Collection This account is a third-party debt being reported as a collection without any legal validation or verification. I did not authorize this account and never received a debt notice as required by federal law. Equifax continues to damage my credit reputation by reporting this inaccurate information. 
Law Violated : FCRA 1681e ( b ), 1681i ; FDCPA 809 ( a ) Issue : Collection account reported without validation or proof of authorization, in violation of consumer rights Equifax has failed its duty under FCRA 1681i ( a ) to conduct a reasonable reinvestigation into disputed information and failed to maintain maximum possible accuracy under 1681e ( b ). They are knowingly and willfully violating my consumer rights by continuing to report inaccurate, unverifiable, and legally deficient information. This pattern of negligence and noncompliance is causing irreversible harm to my creditworthiness, my ability to secure housing, employment, and credit opportunities. I request immediate investigation and complete deletion of all the inaccurate and unverifiable accounts mentioned above.

Company response to consumer: Closed with non-monetary relief