Consumer complaint received 2025-03-14 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: AL

Complaint narrative:
I am writing to file a formal complaint against Equifax for their repeated failure to accurately report information on my credit report and their negligent handling of disputes I have submitted regarding the inaccuracies. Despite my efforts to provide sufficient evidence to correct these errors, Equifax has continually either denied my requests or made minimal changes without properly investigating the issues.

1. Inaccurate Reporting and Identity Theft Issues : I recently provided Equifax with proof of identity theft including a police report and evidence of fraudulent hard inquiries on my credit report. Despite this, Equifax denied my request and claimed that the inquiries were valid, even though they are a result of identity theft. According to Section 605A of the Fair Credit Reporting Act ( FCRA ), if there is evidence of identity theft, such fraudulent information should
be removed from my credit report. Equifaxs failure to remove this information violates my rights under the FCRA. 
2. XXXX XXXX Account Reporting Error : In addition to the identity theft issue, I have had a significant problem with XXXX XXXX reporting. An account that was charged off over a year ago was recently updated to show as a new account on my Equifax report. This change has caused a major drop in my credit score. Equifaxs own report shows the account is over a year old, yet they persist in categorizing it as new, which is clearly an error. According to Section 1681i of the FCRA, if a dispute is made regarding the accuracy of information, the credit reporting agency is required to investigate and correct the report if the information is found to be inaccurate. This mistake negatively affects my credit score and requires immediate correction. I request that this account be removed from my credit report altogether to prevent this issue from recurring.

3. Edfinancial Account Late Payment Inaccuracy : There is also an issue with my Edfinancial student loan account, where 90-day late payments were reported for XX/XX/XXXX while the account showed as current in XX/XX/XXXX. This is a mathematical impossibility, and despite my dispute, Equifax merely changed the late payment to XX/XX/XXXX, which is still incorrect. The account should be listed as paid as agreed, but instead, it continues to inaccurately report late payments that are damaging my credit. Under Section 1681i of the FCRA, I am entitled to have inaccurate information investigated and corrected in a timely manner, but Equifax has failed to meet their obligations. 
4. XXXX Account Reporting Issues : Finally, I have an ongoing dispute with XXXX regarding their reporting of late payments and on-time payments that differ from my receipts. Ive provided clear evidence of discrepancies between the payments reported by XXXX and the payments reflected in my records. Even on other credit reports, XXXX data differs. I strongly suspect this is fraudulent behavior intended to sabotage my ability to refinance by keeping my credit score low and my interest rates high. I have requested that XXXX be blocked from reporting to Equifax permanently, and this matter remains unresolved. This is a clear violation of my rights under the FCRA, which mandates that all information reported must be accurate and verifiable. 
Despite providing clear evidence in each of these cases, Equifax has continued to deny my disputes or make insufficient changes. This lack of proper investigation into the inaccuracies on my credit report is causing significant harm to my financial standing, and I feel that Equifax is failing to uphold their legal responsibility to report accurate and fair information.

Company response to consumer: Closed with explanation