Consumer complaint received 2025-06-24 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: NY

Complaint narrative:
I am submitting this formal complaint against Equifax for their repeated failure to accurately investigate and correct incorrect, outdated, and harmful information on my credit report, despite multiple disputes. Equifax has continued to report the following accounts with inaccuracies, charge-offs, and payment history errors that are either unverifiable, incorrect, or in violation of federal laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Consumer Financial Protection Act ( CFPA ).

I have suffered severe emotional distress, credit denials, and higher interest rates because of these errors. Below, I have listed each account with associated issues and the specific laws being violated. 
XXXX. XXXX Account # XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$5400.00} Status : Charge Off Issues : This account has been reported as a charge-off with no proper verification or validation of the debt. 
No original documentation has been provided to substantiate the accuracy of this reporting. 
I did not receive proper notice of charge-off, nor validation of the debt under the FDCPA.

Violations : FCRA 609 ( a ) ( 1 ) : Failure to provide documentation verifying the account.

FCRA 611 : Failure to conduct a proper reinvestigation after dispute.

FDCPA 809 ( 15 U.S. Code 1692g ) : Failure to validate the debt. 
XXXX. XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$710.00} Status : Late Payment Issues : This is a third-party debt collector account that is inaccurately reporting late payments, which is misleading since collection agencies do not originate loans or report late payments. 
The original creditor was not disclosed properly. 
No contract or agreement bearing my signature has been provided to substantiate the debt. 
Violations : FCRA 605B : Blocking inaccurate information after identity theft or error claims.

FDCPA 807 ( 2 ) : Misrepresenting the character and legal status of the debt.

CFPA ( 12 U.S. Code 5531 ) : Unfair, deceptive, or abusive acts and practices ( UDAAP ). 
XXXX. XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$6800.00} Status : Charge Off Issues : This account is showing as charged off with a balance that is inconsistent with my records. 
I previously disputed this with Equifax and requested validation and correction, but no meaningful investigation occurred. 
This account may be outdated depending on the date of delinquency.

Violations : FCRA 605 ( a ) ( 4 ) : Reporting of obsolete information ( charge-offs over 7 years ).

FCRA 611 : Failure to conduct reinvestigation after consumer dispute.

CFPA 1036 : Knowingly reporting unverifiable or inaccurate information.

Complaint Summary : Equifax has repeatedly failed to : Properly investigate disputed items as required under FCRA 611.

Provide complete and accurate documentation under FCRA 609 ( a ).

Prevent the continued reporting of unverifiable, outdated, and misleading information.

Protect my rights under the FDCPA by continuing to report debt without proper validation.

Relief Requested : I respectfully request the Consumer Financial Protection Bureau to investigate Equifax for : Failing to comply with FCRA, FDCPA, and CFPA regulations ; Their ongoing negligence in reporting and verifying inaccurate information ; Failing to respond appropriately to my repeated disputes. 
I am requesting the immediate deletion of the above-mentioned accounts from my Equifax credit report. 
Declaration : I declare under penalty of perjury that the information provided in this complaint is true and correct to the best of my knowledge.

Company response to consumer: Closed with non-monetary relief