Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Agency Filed Against : Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) I am submitting this complaint to the * * Consumer Financial Protection Bureau ( CFPB ) * * against * * Equifax Information Services LLC * * regarding multiple * * unverified, inaccurate, incomplete, and misleading accounts * * appearing on my Equifax credit report dated * * XX/XX/XXXX * *. 

These entries violate my rights under the * * FCRA ( 15 U.S.C. 1681 et seq. ) * * and * * FDCPA ( 15 U.S.C. 1692 et seq. ) * *. 


Disputed Accounts and Violations XXXX. * * XXXX XXXX XXXX XXXX Accounts ( {$460.00} & {$500.00} ) * * * Duplicate charge-off entries with conflicting balances and dates of last activity. 
* Violates * * FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) * * ( maximum possible accuracy requirement ). 
* Failure to report a consistent Date of First Delinquency ( DOFD ) violates * * FCRA 623 ( a ) ( 5 ) * *. 

XXXX. * * XXXX XXXX XXXX  Two Charged-Off Accounts ( {$830.00} & {$1100.00} ) * * * Duplicate derogatory listings from same creditor artificially inflate damage. 
* Already marked as disputed, but Equifax continues reporting violating * * FCRA 611 ( a ) ( 5 ) ( A ) * * ( duty to delete unverifiable disputes ). 
* Misleading duplication constitutes * * false representation under FDCPA 807 ( 8 ) * *. 

XXXX. * * XXXX Charged-Off Account ( {$2500.00}, Original Balance {$1800.00} ) * * * Inflated balance includes excessive and unlawful fees. 
* Violates * * FDCPA 1692f ( 1 ) * * ( collection of amounts not expressly authorized ).

* Without original signed agreement, reporting is * * unverifiable * * violating * * FCRA 623 ( a ) ( 1 ) ( A ) * *. 

XXXX. * * Debt Buyers/Collectors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * ( multiple accounts totaling over {$4000.00} ) * No proof of ownership or chain of title provided. 
* Reporting without documentation violates * * FCRA 611 ( a ) ( 1 ) ( A ) * * ( reasonable reinvestigation ).

* FDCPA 807 ( 2 ) ( A ) prohibits false representation of debt ownership, which is occurring here. 

XXXX. * * Department of EducationXXXX XXXX XXXX ( {$59000.00} ) * * * Payment history contains * * inconsistent, incomplete, and misleading entries * * ( e.g., XXXX mixed with late notations ). 
* Violates * * FCRA 607 ( b ) * * ( accuracy requirement ).

* Equifaxs continued reporting despite disputes constitutes * * willful noncompliance under FCRA 616 * *. 


Legal Basis for Permanent Deletion * * * FCRA 611 ( a ) ( 1 ) ( A ) : * * Requires reinvestigation of disputed items within 30 days. 
* * * FCRA 611 ( a ) ( 7 ) : * * Requires disclosure of the method of verification.

* * * FCRA 623 ( a ) ( 1 ) ( A ) : * * Prohibits reporting information known or reasonably should be known as inaccurate. 
* * * FCRA 607 ( b ) : * * Requires maximum possible accuracy.

* * * FDCPA 807 & 808 : * * Prohibit false representation and collection of unauthorized amounts. 


Requested Relief I respectfully request the CFPB to : 1. Investigate Equifaxs * * continued reporting of unverifiable, inaccurate, duplicate, and misleading information * *.

2. Compel Equifax to * * permanently delete * * the following unless complete and original account-level documentation is produced : * XXXX XXXX ( both charge-offs ) * First Premier Bank ( both charge-offs ) * 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 * Dept. of Education/XXXX  ( unless fully verified with records ) XXXX. Require Equifax to provide a * * detailed method of verification * * as required under * * FCRA 611 ( a ) ( 7 ) * *. 
XXXX. Enforce * * civil liability under FCRA 616617 * * for willful and negligent noncompliance. 


Conclusion Equifaxs actions have caused me significant harm through the continued reporting of * * unverified, inaccurate, outdated, and misleading derogatory accounts * *. 

I request that the * * CFPB intervene immediately * * to ensure Equifaxs compliance with the * * FCRA and FDCPA * *, and to compel permanent deletion of all unverifiable accounts. 

Respectfully, XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation