Consumer complaint received 2025-08-31 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 filing a complaint against Equifax for their failure to comply with the Fair Credit Reporting Act ( FCRA ), particularly regarding their investigations of credit report errors. I have made multiple attempts to dispute inaccurate information on my credit report with Equifax, yet my disputes have not been properly investigated, and the errors remain unresolved. 
Equifaxs actions, or lack thereof, reflect a broader issue that was highlighted in the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Equifax, in which they allege that Equifax is engaged in sham investigations, failing to remove or reinstate errors, and putting consumers at risk of being denied credit, employment, and housing. 

XXXX XXXX XXXX- This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ) Date last reported is inaccurate, Date last active is inaccurate, Date last payment is inaccurate, Credit Limit is inaccurate, Account Type Details are inaccurate. - Delete Account, Immediately due to violation of 15 USC 1681e ( b ) XXXX XXXX XXXX - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ) Date last reported is inaccurate, Date last active is inaccurate, Date last payment is inaccurate, Credit Limit is inaccurate, Account Type Details are inaccurate. - Delete Account, Immediately due to violation of 15 USC 1681e ( b ) XXXX XXXX XXXX- This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ) Date Opened is inaccurate, High Credit Limit is inaccurate, Account Type Details are inaccurate. Date last active is inaccurate, Date last payment is inaccurate. Delete Account Immediately due to violation of 15 USC 1681e ( b ) Specifically, my complaint relates to the following FCRA violations : Failure to comply with 15 USC 1681e ( b ) : Equifax has not maintained accurate information and failed to implement reasonable procedures to verify the information on my credit report.

Failure to comply with 15 USC 1681s-2 : The data furnishers have not ensured the accuracy of the information that was reported to Equifax.

Failure to comply with 15 USC 1681i ( 5 ) : Despite submitting multiple disputes, Equifax has not conducted proper investigations within the mandated 30-day period.

Failure to comply with 15 USC 1681c ( c ) : Equifax has failed to remove outdated or inaccurate information, which negatively affects my credit report.

Despite these clear violations, Equifax has not taken adequate steps to correct the inaccuracies on my credit report, and my financial situation has been adversely affected.

As a result of Equifaxs failure to properly investigate and resolve these disputes, I have experienced difficulty obtaining credit, which has hurt my ability to [ secure housing, get employment, etc. ]. The errors on my credit report continue to impact my financial health and well-being. 

I am requesting that Equifax take immediate steps to investigate the disputed items, correct any inaccuracies, and ensure that no false information is reported. Additionally, I request that Experian provide me with a copy of my corrected credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief