Consumer complaint received 2025-06-16 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: FL

Complaint narrative:
I dont mean to be a bother I just want to make this super clear for all parties involved. I am experiencing significant damage to my credit profile due to multiple inaccurate and unlawful reporting practices. The accounts listed below are either re-aged, reporting false monthly late payments, or have never been properly validated. Despite multiple disputes and formal Debt Validation Requests, these tradelines continue to update derogatory marks on my reports each month. 

These actions violate the Fair Credit Reporting Act FCRA Sections 605 & 623 and the Fair Debt Collection Practices Act FDCPA Section 809b. No supporting documentation has been provided to justify their continued reporting, and in some cases, disputes were responded to with vague verified replies, without validation or reinvestigation. 


XXXX XXXX Accounts : XXXX. XXXX XXXX XXXX every month on Experian since XX/XX/XXXX No XXXX provided Artificially lowering score for over a year XXXX. XXXX XXXX XXXX Acct # : XXXX Re-aged to XX/XX/XXXXXXXX XXXX added monthly since that date No XXXX from original or secondary collector XXXX. XXXX XXXX XXXX Acct # : XXXX Re-aged after being bought by new collector XXXX XXXX XXXXeported as recently as XX/XX/XXXX No proper validation despite request XXXX. XXXX XXXX XXXX Acct # : XXXX Reporting XXXX monthly since XX/XX/XXXX on Experian Appears daily on XXXX XXXX since XXXX Disputed XXXX days ago, came back as unknown, still reporting No XXXX ever provided XXXX. XXXX XXXX XXXX Acct # : XXXX Re-aged to XX/XX/XXXX Debt buyer, reporting XXXX monthly No debt validation or supporting documents provided XXXX. XXXX XXXX XXXX Acct # : XXXX Re-aged due to debt purchase Reporting derogatory marks monthly since XX/XX/XXXX No validation of debt despite dispute XXXX. XXXX XXXX XXXX Acct # : XXXX Continues to report as derogatory Never provided validation of debt or proof of accuracy XXXX. XXXX XXXX XXXX XXXX Acct # : XXXX Reporting derogatory every month since XX/XX/XXXX ( 39 months ) No XXXX ever provided, despite dispute Appears to be re-aged and updated falsely each month XXXX. XXXXXXXX XXXX XXXX XXXX XXXX and Acct # XXXX relating to the same gym membership. Despite my attempt to cancel the membership, these accounts continue to appear on my credit reports as separate, active derogatory tradelines. No valid debt verification has ever been provided for either account, and their ongoing reporting is inaccurate. This double reporting of the same debt is confusing and violates the Fair Credit Reporting Act provisions against duplicate and unverifiable reporting. 

I have been in ongoing discussions with licensed consumer law firms regarding potential legal action for violations of the Fair Credit Reporting Act and Fair Debt Collection Practices Act related to the inaccurate, re-aged, and unverifiable tradelines on my credit reports. I am seeking the CFPBs assistance to resolve these issues promptly to avoid further legal escalation. 

Summary of Violations : Re-aging of accounts to restart reporting timelines Failure to validate debts after formal requests False monthly derogatory marks ( C ) on closed or settled accounts Improper verifications without documentation Duplicate and excessive monthly derogatory reporting.

Company response to consumer: Closed with non-monetary relief