Consumer complaint received 2025-02-05 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: AR

Complaint narrative:
CFPB Complaint Against Equifax for FCRA, XXXX XXXX, and XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Urgent Complaint Against Equifax for Noncompliance with FCRA, Metro 2 Standards, and Consumer Protection Laws To Whom It May Concern, I am filing a formal complaint against Equifax for its willful and negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), Metro 2 compliance standards, and additional federal consumer protection laws. Despite providing Equifax with clear, documented evidence, they have continued to report inaccurate, unverifiable, and unauthorized information on my credit report. 

As part of this complaint, I have uploaded proof of the inaccuracies and legal violations in the dispute letters I previously sent to Equifax. This includes supporting documentation to verify my claims, and I am demanding immediate action to correct these violations in compliance with federal law. 
Legal Violations Committed by Equifax : FCRA 1681e ( b ) Failure to Ensure Maximum Accuracy : Equifax has a legal obligation to maintain accurate and complete information. Reporting incorrect account statuses, balances, and inquiries without proper verification violates this requirement.

FCRA 1681i Failure to Conduct a Reasonable Investigation : Despite my formal disputes and supporting evidence, Equifax failed to perform a thorough reinvestigation as mandated by law, resulting in the continued reporting of false information.

FCRA 1681b Reporting Without Permissible Purpose : Several unauthorized hard inquiries appear on my report without my consent, violating
my rights under this section, which restricts access to credit reports without a valid reason.

FCRA 1681c ( a ) Reporting Obsolete Information : Certain accounts and inquiries that exceed the permissible reporting period are still present, violating rules about outdated negative information.

15 U.S.C. 45 ( a ) Federal Trade Commission Act ( Unfair or Deceptive Acts or Practices - UDAP ) : Equifaxs practices in reporting unverifiable data without proper consumer notification and failure to correct inaccuracies constitute unfair and deceptive practices.

Metro 2 Compliance Violations ( CDIA Guidelines ) : Equifax is required to follow Metro 2 data reporting standards to ensure accuracy, completeness, and consistency. My disputes highlighted multiple violations, including incomplete account statuses, missing data fields, and inconsistent reporting across bureaus.

Accounts to Be Updated to " Paid as Agreed '' : XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX XXXX XXXX ( Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Account # XXXX ) These accounts are inaccurately reported with derogatory marks. I demand these accounts be immediately updated to reflect " Paid as Agreed '' with no late payments. 

Accounts to Be Permanently Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX ) These unauthorized hard inquiries were made without my consent and violate FCRA 1681b. I demand the immediate removal of these inquiries.

Proof of Violations Provided : I have uploaded supporting documentation, including previous dispute letters sent to Equifax, along with evidence that : Proves the
inaccuracies of the reported accounts and inquiries Demonstrates Equifaxs failure to verify disputed information Shows Metro 2 compliance violations that render the reporting invalid

Company response to consumer: Closed with non-monetary relief