Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
CFPB COMPLAINT LETTER ESCALATED ACTION AGAINST EQUIFAX Subject : Formal Complaint Against Equifax for FCRA Violations and Failure to Remove Inaccurate Information To Whom It May Concern, This formal complaint is submitted due to Equifaxs repeated and willful noncompliance with the Fair Credit Reporting Act ( FCRA ) and Regulation V ( 12 CFR Part 1022 ). Despite multiple disputes submitted over the last several months, Equifax has failed to take proper corrective action, allowing inaccurate, unverifiable, and unauthorized data to remain on my credit file. 

This ongoing failure constitutes a pattern of negligence and unlawful conduct under federal law. 

DISPUTED DEROGATORY ACCOUNTS The following creditors are reporting inaccurate, outdated, or unverified derogatory data : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts remain in violation of the following federal laws : FCRA 1681i ( a ) ( 1 ) ( A ) Failure to reinvestigate disputed items within 30 days Penalty : Up to {$1000.00} per violation ( willful ) ; actual damages if negligent under 1681o FCRA 1681s-2 ( b ) Failure by furnishers to properly verify or correct disputed information FCRA 1681e ( b ) Reporting data not held to the standard of " maximum possible accuracy '' FCRA 605 ( a ) Retaining obsolete information beyond the legal reporting limit FDCPA 809 ( b ) Failure by debt collectors to provide proper debt validation Penalty : Up to {$1000.00} per violation under 15 U.S.C. XXXX DISPUTED UNAUTHORIZED HARD INQUIRIES The following credit inquiries appear on my report without authorization or valid purpose : XXXX XXXX XXXX  XXXX Additional inquiries from the same or affiliated entities These entries are in violation of : FCRA 604 ( a ) ( 3 ) No permissible purpose for inquiry FCRA 1681b ( c ) No consumer-initiated application FCRA 607 ( a ) Equifax failed to verify the legitimacy of these inquiries FCRA 1681e ( a ) Equifax failed to implement procedures to block unauthorized access Penalty : {$1000.00} per unauthorized inquiry ; additional civil and punitive damages allowed PATTERN OF EQUIFAX NONCOMPLIANCE Equifax has demonstrated the following : Inadequate or no reinvestigation efforts Retention of unverifiable and false derogatory data Allowing unauthorized access to my credit file via hard inquiries Ignoring prior disputes and legal obligations REQUEST FOR CFPB INTERVENTION AND RELIEF I am requesting immediate intervention by the CFPB to compel Equifax to : Delete all disputed and unverified derogatory accounts immediately Remove all unauthorized hard inquiries from my file Provide written confirmation of all deletions within 15 calendar days Supply a documented summary of all reinvestigation actions taken NOTICE OF INTENT TO PURSUE LEGAL REMEDY Should Equifax fail to comply, I reserve the right to pursue civil remedies under the FCRA and FDCPA, which provide for : FCRA 1681n Statutory damages of up to {$1000.00} per willful violation FCRA 1681o Actual damages for negligent noncompliance FDCPA 1692k Up to {$1000.00} per violation, including costs and attorneys fees I trust the CFPB will act swiftly in requiring Equifax to correct these violations and bring its reporting practices into full compliance with the law. 

Please Note : I am a consumer and reporting this CFPB to Equifax only. I am NOT a 3rd-party, nor am I representing with any 3rd party law firms. I am reporting this for myself only. I am a consumer and a law bonding citizen of the United States. 

Sincerely, Submitted via CFPB Secure Complaint Portal

Company response to consumer: Closed with non-monetary relief