Consumer complaint received 2025-06-29 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: MI

Complaint narrative:
I am submitting this formal complaint against Equifax Information Services LLC due to multiple inaccurate and unverifiable items reporting on my credit file which are causing significant and ongoing financial harm. These accounts are either reporting in error, reporting outdated or misleading information, or are in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I have made multiple attempts to dispute these inaccuracies, and despite my rights under federal law, Equifax has failed to correct these errors, which violates my consumer rights under FCRA 1681i, 1681s-2, and 1681e ( b ). Below are the specific accounts in question, along with their issues and the legal violations they present : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$19000.00} Late Payment * * This account is inaccurately reporting late payments. I have previously requested verification and validation of the dates and details of these alleged delinquencies, but Equifax has continued to report these derogatory marks without conducting a reasonable investigation as required by FCRA 1681i ( a ) ( 1 ) ( A ). This failure to ensure accuracy and completeness constitutes a violation of FCRA 1681e ( b ). I am requesting full deletion of this account due to Equifaxs failure to properly investigate and validate the late payment history as per FCRA requirements. 
XXXX XXXX  Acct # : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$1100.00} Collection * * This collection account is inaccurately listed and unverifiable. I have no recollection of initiating or authorizing this debt. Under FCRA 1681b, consumer reporting agencies must have permissible purpose to report collections, and under 1681e ( b ), they are obligated to maintain maximum possible accuracy. XXXX XXXX XXXX is also known for furnishing unverifiable data in violation of FCRA 1681s-2 ( a ). Equifax has failed to reasonably investigate my dispute or provide any proper validation. I request permanent deletion of this collection account. 
XXXX XXXX Acct # : XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$2800.00} Charge Off * * This charge-off account has not been validated or proven with any written contract, signed agreement, or itemized billing. Reporting this as a charge-off without validation and without verifying the details violates my rights under FCRA 1681i ( a ) ( 1 ) and also the FDCPA ( Fair Debt Collection Practices Act ) 809 ( b ), which requires that all debts be validated upon request. Equifax 's continued reporting without substantiation constitutes negligent and willful non-compliance under FCRA 1681n and 1681o. I request this item be removed from my file immediately. 
XXXX XXXX XXXX  Acct # : XXXX Date Opened : XX/XX/XXXX High Credit : {$1900.00} Collection * * This collection account is being reported inaccurately. There has been no proper notification or validation provided. FCRA 1681e ( b ) mandates that consumer reporting agencies ensure the maximum possible accuracy of the information they report. Additionally, Equifax has failed to provide a clear method of investigation and failed to verify the original creditor, amount owed, and contractual obligation. This is not only misleading but harmful to my creditworthiness. I demand immediate removal in accordance with FCRA and FDCPA. 
Equifax is legally obligated to respond to disputes and ensure accuracy of the information it maintains. By continuing to report these accounts without verification, Equifax is failing to uphold the standards of the Fair Credit Reporting Act. The ongoing harm to my credit profile has impacted my ability to secure housing, employment, and essential services. I request CFPBs intervention in requiring Equifax to permanently delete the abovementioned accounts and fully comply with its legal obligations.

Company response to consumer: Closed with non-monetary relief