Consumer complaint received 2025-11-10 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: FL

Complaint narrative:
Subject : Final Notice Ongoing Violations of FCRA, TILA & FDCPA/ Emotional XXXX  and Damages Due to Negligent Reporting To : Consumer Financial Protection Bureau ( CFPB ) Re : Complaint Against Equifax Information Services, XXXX Dear Consumer Financial Protection Bureau, I am filing this formal complaint against Equifax Information Services, LLC for continued, willful, and negligent violations of my rights under the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and other federal consumer protection laws. Despite multiple disputes, documentation, and my formally submitted affidavit, Equifax has failed to correct, validate, or remove inaccurate and inconsistent information that remains on my credit report. 

Accounts in Question ( Equifax File ) XXXX Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$5400.00} Past Due : {$4200.00} Status : Charged Off / Derogatory Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Comments : Charged off account closed by credit grantor. 

XXXX XXXX XXXXXXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$7600.00} Past Due : {$7600.00} Status : Collection / Chargeoff Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Comments : Charged off account unpaid balance reported as loss by credit grantor. 

XXXX XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$4400.00} Past Due : {$4400.00} Status : Collection / Chargeoff Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Comments : Charged off account closed by credit grantor. 

XXXX XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} Past Due : {$2500.00} Status : Collection / Chargeoff Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Comments : Charged off account closed by credit grantor. 

Pattern of Inconsistencies and Negligence Each of these accounts contains substantial discrepancies across bureaus, including inconsistent dates, balance figures, and comments. While some bureaus have updated or corrected the data, Equifax continues to report outdated and conflicting information, misrepresenting the current status of these accounts. 

I have disputed these accounts with Equifax on multiple occasions, providing documentation, reports, and supporting evidence yet Equifax has failed to provide any reinvestigation results or written verification within the time required under federal law. 

An Affidavit of Credit Reporting Violations and Failure to Correct Inaccuracies was submitted on XX/XX/XXXX, establishing that Equifaxs handling of my disputes violates 15 U.S.C. 1681i ( a ) and 1681e ( b ) by failing to ensure accuracy and conduct a lawful reinvestigation.

This ongoing pattern of negligence demonstrates Equifaxs willful noncompliance and disregard for statutory duties.

Legal Violations by Equifax Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 1 ) No reasonable reinvestigation within 30 days.

1681i ( a ) ( 6 ) ( B ) Failure to provide written results of reinvestigation.

1681i ( 7 ) Failure to provide description of investigation procedures within 15 days.

1681e ( b ) Failure to ensure maximum possible accuracy of consumer data.

1681s-2 ( b ) Continued reporting of inaccurate data after notice.

609 ( a ) ( 1 ) ( A ) & ( 2 ) Failure to disclose complete file and sources.

616 & 617 ( 15 U.S.C. 1681n, 1681o ) Civil liability for willful and negligent noncompliance.

Truth in Lending Act ( TILA ) 15 U.S.C. 1637 ( b ) Failure to provide full and accurate account activity.

15 U.S.C. 1666 ( b ) Failure to correct billing/reporting errors upon notice.

15 U.S.C. 1640 Civil liability for noncompliance.

Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e ( 8 ) Reporting false or disputed information without notice.

Consumer Financial Protection Act / UDAAP 12 U.S.C. 5531 ( c ) Engaging in unfair, deceptive, or abusive acts or practices.

Pattern of Noncompliance and Emotional Harm Equifaxs continued negligence has resulted in emotional XXXX, XXXX  attacks, and financial harm. 
I have made multiple good-faith attempts to resolve these inaccuracies, yet Equifax continues to ignore federal deadlines, fail to verify, and maintain false derogatory data that damages my creditworthiness. 

Their disregard for compliance has directly affected my mental and financial wellbeing, creating constant XXXX, credit denials, and harm to my reputation.

This represents a complete failure of consumer protection enforcement on Equifaxs part and demands immediate regulatory intervention.

Requested Resolution I respectfully request that the CFPB : Investigate Equifaxs systemic noncompliance with FCRA, TILA, and FDCPA.

Order the immediate deletion of all accounts listed above from my Equifax credit file.

Require Equifax to produce all reinvestigation records, source documents, and verification logs.

Impose regulatory penalties for repeated violations.

Acknowledge emotional and financial damages caused by Equifaxs negligence.

Conclusion and Notice of Legal Intent This letter constitutes final notice prior to legal escalation. If Equifax fails to comply, I will pursue civil action in federal court under 15 U.S.C. 1681n and 1681o, seeking actual, statutory, and punitive damages, as well as attorneys fees and costs.

Equifaxs conduct demonstrates deliberate disregard for accuracy, transparency, and consumer rights, constituting ongoing violations of federal law.

Company response to consumer: Closed with non-monetary relief