Consumer complaint received 2025-06-20 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: TN

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against Equifax for failing to maintain accurate and verifiable information on my consumer credit report, in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq and other relevant consumer protection laws.

Despite multiple efforts to resolve these discrepancies, Equifax has failed to correct the following inaccurate, outdated, unverifiable, and misleading entries. These negative accounts have significantly impacted my credit standing, and I am now requesting the Consumer Financial Protection Bureau ( CFPB ) to intervene and investigate these violations of federal law.

Disputed Accounts and Issues 1. XXXX XXXX  XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$1800.00} | Date Opened : XX/XX/XXXX Issue : Marked as Charge Off though no valid debt validation has been provided.

Violation : FCRA 1681i ( a ), FDCPA 809 ( b ) Inaccurate reporting and lack of verification. 
XXXX. XXXX XXXX  Acct # : XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$2700.00} | Date Opened : XX/XX/XXXX Issue : Charged off without proper notice or supporting documentation.

Violation : FCRA 1681e ( b ), 15 U.S.C. 1681i Failure to report with maximum possible accuracy. 
XXXX. XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$780.00} Issue : Reported as charge-off. Never received billing or delinquency notice. 
Violation : FCRA 1681b, FDCPA 807 Reporting unverified debt. 
XXXX. XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$500.00} | Date Opened : XX/XX/XXXX Issue : Marked as charge-off ; dispute never resolved despite multiple requests.

Violation : FCRA 1681i ( a ), 1681s-2 ( b ). 
XXXX. XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$570.00} | Date Opened : XX/XX/XXXX Issue : Duplicate entry under the same creditor with different dates and amounts.

Violation : FCRA 1681e ( b ) Duplicate reporting. 
XXXX. XXXX  Acct # : XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$590.00} | Date Opened : XX/XX/XXXX Issue : Charge-off reported without proper verification.

Violation : FCRA 1681i, FDCPA 809 ( a ). 
XXXXXXXX XXXX XXXX XXXX Acct # : XXXX * * High Balance : {$2700.00} | Date Opened : XX/XX/XXXX Issue : Marked as charge-off without documented communication.

Violation : FCRA 1681e ( b ) Unverified negative reporting. 
XXXX. XXXX XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$21000.00} | Date Opened : XX/XX/XXXX Issue : Charged off while still in dispute. 
Violation : FCRA 1681s-2 ( a ), 1681i ( a ) Reporting disputed info as verified. 
XXXX. XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$1000.00} | Date Opened : XX/XX/XXXX Issue : Third-party collection account with no debt validation provided.

Violation : FDCPA 809 ( b ), FCRA 1681g. 
XXXX. XXXX XXXX Acct # : XXXX * High Balance : {$2700.00} | Date Opened : XX/XX/XXXX Issue : Collection entry with questionable origin and no contract or billing history.

Violation : FDCPA 807, FCRA 1681e ( b ). 
XXXX. XXXX XXXX XXXX XXXX Acct # : XXXX High Balance : {$110.00} | Date Opened : XX/XX/XXXX Issue : Collection listed without full itemization of the debt or verification.

Violation : FDCPA 809 ( a ), FCRA 1681g. 
XXXX. XXXX XXXX XXXX Acct # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Issue : No original creditor data or contract provided; unverifiable debt.

Violation : FCRA 1681i ( a ), FDCPA 807 ( 8 ). 
XXXX. XXXX XXXX XXXX & XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Issue : Late payment inaccurately listed ; not notified nor given opportunity to dispute.

Violation : FCRA 1681c ( a ), FDCPA 807.

Inaccurate & Unverified Hard Inquiries These inquiries were made without my knowledge, authorization, or permissible purpose under the FCRA : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Violation : FCRA 1681b Accessing consumer report without permissible purpose.

Legal Summary According to FCRA 1681e ( b ), Equifax is required to maintain reasonable procedures to ensure maximum possible accuracy. By reporting unverifiable charge-offs, duplicate entries, third-party collection accounts without documentation, and hard inquiries without my consent, Equifax has clearly failed to comply.

Moreover, FCRA 1681i requires reinvestigation of disputed information, which Equifax did not conduct properly.

Relief Sought I request that the CFPB : 1. Launch an immediate investigation into Equifaxs reporting procedures ; 2. Instruct Equifax to delete or correct the above entries within 30 days ; 3. Enforce appropriate penalties for willful noncompliance under FCRA 1681n ; 4. Ensure Equifax ceases and desists from reporting unverified, inaccurate, or duplicated information in the future.

Company response to consumer: Closed with non-monetary relief