Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
EQUIFAX, you are pathetically sloppy and chronically lie. 

FORMAL CFPB COMPLAINT & DISPUTE NOTICE TO EQUIFAX Re : XXXX XXXX XXXX ( XXXX ) Inaccurate & Illegally Reported Debt To Whom It May Concern, This letter is to notify both Equifax and the Consumer Financial Protection Bureau ( CFPB ) that I am disputing the ongoing reporting of a XXXX XXXX XXXX ( XXXX ) debt on my credit file. This debt has already been settled in full under a XXXX XXXX XXXX program, and evidence was submitted in my most recent CFPB complaint. Despite this, Equifax has failed to properly investigate and has responded with a baseless and misleading conclusion that XXXX verified the account. 

In addition, Equifax has partially removed the debt record in a way that is misleading : The full trade line has been removed from the detailed body of my credit report, But on the summary page, Equifax still lists 1 Negative Account XXXX  XXXX XXXX. 

This creates an incomplete and deceptive file, misrepresents the state of the debt, and violates the Fair Credit Reporting Act ( FCRA ). You can not partially delete information and still claim the derogatory item is accurate. This is lazy, sloppy, and illegal reporting. 

XXXX Record of Illegality Your Verification Means Nothing Equifaxs reliance on XXXX verified it is both unprofessional and unacceptable given this companys well-documented legal history of fraud, deception, and abuse of consumer rights. Here are the facts : 1. XXXX CFPB Enforcement Action : The Consumer Financial Protection Bureau ordered XXXX to pay over {$27.00} XXXX in refunds and penalties for : Suing consumers without proper documentation, Threatening legal action they couldnt take, Falsifying affidavits, And failing to investigate disputes. 

CFPB Docket : XXXX Date : XX/XX/XXXXXXXX  Agency : Consumer Financial Protection Bureau Order Title : Consent Order against XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CFPB Legal Action : The CFPB filed another complaint against XXXX for violating the XXXX order. XXXX was caught : Resuming illegal debt collection tactics, Suing people without documentation, Ignoring investigation duties again. 

Case : CFPB XXXX XXXX XXXX XXXX, XXXX Filed : XXXX Agency : Consumer Financial Protection Bureau Allegations : Violating a prior consent order, illegal collections XXXX. XXXX XXXX XXXX XXXX : In XXXX, XXXX agreed to a {$5.00} XXXX class action settlement after being sued for continued use of illegal court filings and false debt validation. The company agreed to : Cancel unsatisfied default judgments, Stop debt collections on cases based on false documentation. 

Case Name : XXXX XXXX XXXX XXXXXXXX XXXX Settlement Year : XXXX Amount : {$5.00} XXXX Venue : North Carolina Superior Court My Demand : I demand that Equifax : Immediately and fully delete the XXXX XXXX XXXX account, including the negative summary label. 

Stop treating verified by XXXX as a valid dispute resolution when the furnisher has a record of lying, breaking the law, and violating consent orders. 

Correct my file completely and in compliance with federal law. 

If this is not fully resolved, I will escalate this case through formal legal channels. I am documenting all communications and will continue to report Equifaxs failures to the CFPB, the FTC, and the State Attorney General. Equifaxs handling of this matter so far is negligent, disrespectful of consumer rights, and beneath the minimum legal standards of credit reporting. 

Do your job. Remove the account. You can not partially delete disputed data and leave a derogatory smear behind.

Company response to consumer: Closed with explanation