Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against Equifax for failing to maintain accurate, fair, and verifiable information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681.

Despite my prior disputes and communication, Equifax has continuously reported inaccurate and damaging information on my consumer report. The accounts mentioned below either contain inaccurate information, are unverifiable, or are being reported in a misleading and harmful manner. These are clear violations of my consumer rights under federal law, and I am requesting CFPB 's assistance in compelling Equifax to correct or remove these entries immediately.

1. XXXX XXXX XXXX Account Number : # XXXXXXXX XXXX XXXX High Balance : {$8400.00} Date Reported : XX/XX/XXXX Issue : Charge-Off This account is being reported as a charge-off, but the details provided are unverified and not backed with any proper documentation from the furnisher. I have disputed this item previously, and Equifax failed to provide me with any proper reinvestigation results as required under FCRA 1681i ( a ) ( 1 ) ( A ).

Law Violated : FCRA 1681e ( b ) Duty to maintain maximum possible accuracy FCRA 1681i Failure to conduct proper reinvestigation 2. XXXX XXXX Account Number : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$240.00} Date Opened : XX/XX/XXXX Issue : Late Payment This is a very recent account, yet late payments are being reported unjustly. XXXX has not provided any proof that proper notices were issued before reporting negative information. Reporting a late payment on such a young account raises serious concerns about FCRA violations, especially around accuracy and permissible purpose. 
Law Violated : FCRA 1681s-2 ( a ) ( 1 ) ( A ) Duty to report accurate information FCRA 1681i Duty to investigate consumer disputes FCRA 1681e ( a ) Certification of permissible purpose 3. XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : Unauthorized Hard Inquiry This hard inquiry was not authorized by me, and I never gave written consent to this creditor to access my Equifax credit file. As per FCRA 1681b ( c ) ( 1 ), hard inquiries require express authorization, especially for auto loan or credit-based purposes. Equifax has failed to verify or remove this inquiry despite prior dispute attempts.

Law Violated : FCRA 1681b ( f ) Access without permissible purpose FCRA 1681c-1 ( b ) Fraud alerts and ID theft-related safeguards FCRA 1681i Failure to investigate consumer disputes Requested Resolution : I am requesting that the CFPB investigate Equifax 's failure to comply with the FCRA and require them to : 1. Delete or correct the above accounts and inquiry after proper verification.

2. Provide written documentation of how these items were verified, including communications from the original creditors.

3. Cease any further reporting of unverifiable or inaccurate data.

4. Be held accountable for willful non-compliance under FCRA 1681n and negligent non-compliance under 1681o if violations are confirmed.

Company response to consumer: Closed with non-monetary relief