Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this complaint to seek your assistance with Equifax, which has failed to remove four inaccurate and poorly documented accounts from my credit report despite my disputes : ( 1 ) XXXX XXXX XXXX XXXX ( {$610.00} ), ( 2 ) " XXXX XXXX '' ( XXXX ), ( XXXX ) " XXXX XXXXXXXX XXXX  '' and ( 4 ) " XXXXXXXX XXXX. '' Equifax has provided inadequate responses, including insufficient information over the phone, and has not corrected or deleted these accounts, which contain errors and lack proper validation. I request your intervention to compel Equifax to remove these accounts and address their noncompliance with federal law under Title 15 of the U.S. Code. 

Details of the Issue : Company : Equifax Accounts in Question : XXXX XXXX XXXX XXXX ( {$610.00} ) : An unverified debt I am unaware of, with harassing calls and no validation provided by XXXX despite my requests. 
XXXX AUTO ( XXXX ) : An auto loan with inconsistent last payment dates ( e.g., XX/XX/year>, on one report, differing elsewhere ) tied to a defective vehicle whose engine failed within 25 days, with no help from XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX : A XXXXXXXX XXXX account with inaccurate reporting, compounded by XXXX repeatedly opening and closing my online account without notice, preventing me from using the card as intended. 
XXXXXXXX XXXXXXXX XXXX XXXX XXXX  account that was paid off, yet Equifax continues to report it with inaccurate information, such as an outstanding balance or incorrect status. 
I disputed the XXXX, XXXXXXXX XXXX, and Discover accounts with Equifax, citing their inaccuracies and lack of substantiationMidlands debt is unproven, XXXX payment dates are inconsistent, and Discovers operational issues rendered the card unusable. I recently identified the XXXX account as another problem : I paid it off, but Equifax still lists it inaccurately, possibly showing an unpaid balance or incorrect status. When I called Equifax to discuss these disputes, they failed to provide clear detailssuch as validation documents, furnisher responses, or explanations for retaining these accountsleaving me without the information Im entitled to. These errors are unfairly damaging my credit score and financial reputation. 
Legal Violations : Equifaxs actions violate the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i : I am entitled to a reasonable investigation of disputed items. Equifax must reinvestigate and delete or correct inaccurate or unverifiable information within 30 days of my dispute. Their failure to remove XXXX ( unverified ), XXXX XXXX ( inconsistent ), XXXX ( inaccurate and unusable ), and XXXX ( paid off but misreported ) suggests inadequate investigation. 
15 U.S.C. 1681g : Equifax must provide me with all relevant information about my credit file upon request. Their refusal to share specific details over the phonesuch as proof of verification or payment recordsbreaches my right to transparency.

15 U.S.C. 1681e ( b ) : Equifax is required to follow reasonable procedures to ensure maximum accuracy. Retaining these accounts with clear errorsunverified debt ( XXXX ), conflicting data ( XXXX ), operational disruptions ( XXXX ), and a paid-off loan misreported ( XXXX ) indicates a failure to maintain accurate reporting. 
Specific Account Issues : XXXX XXXX XXXX XXXX ( {$610.00} ) : Disputed as an unknown debt with no validation from XXXX, yet Equifax retains it without evidence. 
XXXXXXXX XXXX  ( XXXX ) : Inconsistent last payment dates ( e.g., XX/XX/year>, vs. others ) and tied to a defective car purchase make it unreliable, yet Equifax has not acted. 
XXXX XXXXXXXX XXXX : Discovers repeated opening and closing of my online account made the card unusable, and its inaccurate listing persists on my report. 
XXXXXXXX XXXX  : I paid this account in full, but Equifax reports it inaccurately, potentially showing an outstanding balance or incorrect status, with no correction despite my review. 
My Actions : I have disputed the XXXX, XXXX, and XXXX accounts with Equifax, requested their removal due to inaccuracies, and sought clarification over the phone, only to receive vague or incomplete responses. I am now adding the XXXX account to my dispute list and expect Equifax to investigate all four. Their lack of cooperation and failure to resolve these issues necessitate CFPB involvement to enforce compliance. 

Requested Resolution : I respectfully request that the CFPB : Investigate Equifaxs failure to properly reinvestigate and remove the following accounts from my credit report : XXXX XXXX XXXX XXXX ( {$610.00} ) XXXX XXXX ( XXXX ) XXXX XXXX BANK XXXX ONEMAIN Compel Equifax to delete these accounts under 15 U.S.C. 1681i due to their inaccuracies, lack of verification, and insufficient documentation ( e.g., XXXX paid status not reflected ). 
Address Equifaxs refusal to provide detailed information over the phone, violating 15 U.S.C. 1681g, and ensure future transparency.

Assess potential damages for Equifaxs noncompliance under 15 U.S.C. 1681n ( willful ) or 15 U.S.C. 1681o ( negligent ), as these errors are harming my creditworthiness. 
These accounts continued presence on my Equifax report is unjustified and detrimental. I have attached copies of my Equifax credit report ( if available ), dispute correspondence, proof of XXXX payment ( if available ), and identification. Please contact me at [ your phone number ] or [ your email ] for additional details, such as specific call dates or Discover/OneMain account issues. 

Thank you for your assistance in holding Equifax accountable and restoring the accuracy of my credit report.

Company response to consumer: Closed with non-monetary relief