Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Dear CFPB Officer, I am writing to file a formal complaint against Equifax for failing to comply with the Fair Credit Reporting Act ( FCRA ), despite my multiple attempts to dispute inaccurate and unverifiable information on my credit report. I have exhausted Equifax 's dispute process, and I believe they are in violation of several federal consumer protection laws, including : FCRA Section 602 ( A ) Duty to maintain fair and accurate consumer credit reporting. 
FCRA Section 611 ( 15 U.S. Code 1681i ) Failure to reasonably investigate disputes.

FCRA Section 607 ( b ) Failure to ensure maximum possible accuracy of the information furnished.

FCRA Section 609 ( a ) ( 1 ) Failure to provide complete and accurate disclosure of information. 
Below are specific accounts with details, each reflecting false, outdated, or unverifiable information. Despite being previously disputed, these accounts remain on my report without proper reinvestigation or correction. 
XXXX. XXXX XXXX  XXXX Account # : XXXXXXXX XXXX XXXX XXXX High Balance : {$260000.00} Date Opened : XX/XX/XXXX Issue : Late Payment Issue Detail : Equifax is reporting multiple late payments on this mortgage account without verifying the accuracy of such reporting with XXXX XXXX. I requested documentation showing how and when these late payments occurred, but none were provided. This violates FCRA 611 and 607 ( b ) because Equifax failed to conduct a reasonable investigation. 
Story : This mortgage account suffered reporting errors due to a loan servicing transfer issue, and payments were made on time from my end. The miscommunication between loan servicers should not negatively affect my credit. 
XXXX. XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$420.00} Date Opened : XX/XX/XXXX Issue : Charge Off Issue Detail : This charge-off was reported without proper notice or investigation. I never received any validation notice or collection letter. Equifaxs continued reporting without verifying this debt breaches FCRA 609 ( a ) ( 1 ) and 611. 
Story : I had closed this card voluntarily and paid the balance. The account was later re-reported as a charge-off erroneously. This is a serious error causing me financial harm. 
XXXX. XXXX XXXX  XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$880.00} Date Opened : XX/XX/XXXX Issue : Late Payment Issue Detail : These reported late payments are inaccurate and unverifiable. I requested proper proof of billing cycles and notices, but Equifax failed to verify. 
Story : The late payment is the result of an auto-payment setup failure, which was later resolved. Equifax should not continue to report an inaccurate delinquency. 
XXXX. XXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$240.00} Date Opened : XX/XX/XXXX Issue : Late Payment Issue Detail : This is a relatively new account, and the reporting of late payments within the first few months is highly questionable. I requested transaction-level evidence, but Equifax did not respond in accordance with FCRA 611. 
Story : The payment delays were caused due to a statement not being received. This was rectified with the bank, and I was promised it would not be reported negatively. Equifax ignored my dispute. 
XXXX. XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$3000.00} Date Opened : XX/XX/XXXX Issue : Late Payment Issue Detail : Equifax is reporting lates for a period that I was on an approved hardship plan due to a temporary medical emergency. Reporting such periods as late violates FCRA 607 ( b ). 
Story : I was in direct communication with XXXX XXXX and was granted a deferment, but Equifax failed to accurately reflect that agreement. 
XXXX. XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$1000.00} Date Opened : XX/XX/XXXX Issue : Late Payment Issue Detail : This account has been closed for years, but Equifax continues to report aging late payments, which are now unverifiable. This violates FCRA 611. 
Story : This is a stale account that should have aged off or at minimum been validated properly, but no such investigation was done. 
XXXX. XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$760.00} Date Opened : XX/XX/XXXX Issue : Late Payment Issue Detail : This accounts reported late payment appears within the first billing cycle after opening, which I strongly dispute. The reporting is not only damaging but also misleading. 
Story : The delay was due to a payment processing error by the card issuer. I made the payment in full, but Equifax has ignored my evidence. 
XXXX. DEPT OF ED/XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$84000.00} Date Opened : XX/XX/XXXX Issue : Late Payment Issue Detail : During the COVID-19 pandemic, federal student loans were placed in forbearance, yet Equifax continues to report late payments during that protected period. This is a direct violation of CARES Act and FCRA 607 ( b ). 
Story : These reported lates occurred during the federally approved forbearance period. This misinformation is harming my credit profile unfairly and must be removed. 
XXXX. XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$7700.00} Date Opened : XX/XX/XXXX Issue : Charge Off Issue Detail : This charge-off is being reported without any proper validation or itemization of the debt. I never received adequate notice, nor was it verified after my dispute. 
Story : I returned this vehicle under a voluntary surrender agreement. The balance was negotiated, but Equifax has ignored that and is reporting a full charge-off without verifying facts. 
Final Remarks : Equifaxs actions show a pattern of negligent reporting, failure to conduct lawful reinvestigations, and violations of multiple provisions of the FCRA and CARES Act. These inaccuracies are causing me ongoing financial hardship, including denials of credit, inflated interest rates, and emotional distress. 
I am requesting the CFPB to take immediate action to : 1. Require Equifax to perform a lawful reinvestigation of all disputed items.

2. Delete or correct all inaccurate, unverifiable, or outdated information.

3. Hold Equifax accountable for FCRA violations. 
Thank you for your time and attention.

Company response to consumer: Closed with non-monetary relief