Consumer complaint received 2025-06-20 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: MO

Complaint narrative:
Dear CFPB, I am filing this formal complaint against Equifax Information Services LLC for repeatedly and willfully violating the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. Despite my previous efforts to dispute these inaccuracies directly with Equifax, they have failed to properly investigate, verify, or correct these erroneous and damaging items on my credit report.

I am attaching documentation to support my claims. I respectfully request CFPB 's intervention to hold Equifax accountable and compel them to investigate and remove the inaccurate and unverifiable information. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXgh Balance : {$4700.00} Date Opened : XX/XX/XXXX Status : Charge Off Issue : This account is inaccurately being reported as a charge-off. I have disputed this item multiple times and have never received proper documentation or validation per 15 U.S. Code 1681i. Furthermore, Equifax failed to conduct a reasonable reinvestigation.

Law Violated : 15 U.S. Code 1681i ( Failure to conduct reasonable reinvestigation ) 15 U.S. Code 1681e ( b ) ( Failure to maintain maximum possible accuracy ) XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$3400.00} Date Opened : XX/XX/XXXX Status : Charge Off Issue : This account has been inaccurately listed as a charge-off with inconsistent reporting. I requested Equifax to verify this debt, but no adequate validation was provided. Continued reporting without verification is a violation of my rights under the FCRA.

Law Violated : 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) ( Duty to reinvestigate disputes ) 15 U.S. Code 1681b ( Permissible purpose requirement not met in this case ) 15 U.S. Code 1681s-2 ( b ) ( Duty of data furnisher after notice of dispute ) XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$270.00} Date Opened : XX/XX/XXXX Status : Collection Issue : This is a highly suspicious and unverifiable collection account. I have no knowledge of this debt. XXXX failed to provide a debt validation notice under 15 U.S. Code 1692g of the FDCPA. Reporting such unvalidated debt is a clear violation, and Equifax is complicit by continuing to list it.

Law Violated : 15 U.S. Code 1681e ( b ) ( Failure to ensure maximum possible accuracy ) 15 U.S. Code 1681i ( Failure to reinvestigate after dispute ) 15 U.S. Code 1692g ( b ) ( Debt validation under FDCPA ) 15 U.S. Code 1681s-2 ( a ) & ( b ) ( Obligation of furnishers to provide accurate information ) Summary of Harms : Due to Equifaxs negligent and non-compliant reporting practices : My credit score has been severely damaged.

I have been denied credit and housing opportunities.

I am suffering emotionally and financially due to these false and unverifiable accounts.

Despite my attempts to work with Equifax directly, the company has shown willful neglect, violating multiple provisions of the FCRA. These actions are not only unethical but also unlawful.

Relief Requested : 1. Immediate removal of the above-mentioned inaccurate and unverifiable accounts.

2. A full reinvestigation as required under 15 U.S. Code 1681i.

3. Civil penalties for willful non-compliance under 15 U.S. Code 1681n.

4. Injunctive relief to prevent future violations of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief