Consumer complaint received 2025-07-01 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: CA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against Equifax for failing to maintain accurate and verifiable information on my consumer credit report, which is causing significant harm to my creditworthiness, financial opportunities, and peace of mind. I am requesting the CFPBs urgent intervention and investigation into these repeated violations of my consumer rights. Below are the disputed accounts and associated violations : XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$2700.00} Status : Charge Off Issue : This account has been inaccurately reported as a charge off despite my repeated disputes with Equifax, and no proper verification documents have ever been provided to me Law : This violates the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S. Code 1681i ) for failure to conduct a reasonable reinvestigation and Section 607 ( b ) ( 15 U.S. Code 1681e ( b ) ) for failure to ensure maximum possible accuracy Story : I have submitted prior disputes requesting verification and validation of this account but have never received any documentation that proves this debt is accurate, complete, and verifiable, Equifax continues to report this account with derogatory status, which is impacting my credit severely XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : -- Status : Charge Off Issue : This account appears on my Equifax report with negative information, yet the information is incomplete and unverifiable, and no detailed breakdown or contractual documentation has been shared with me Law : This is a violation of FCRA Section 609 ( a ) ( 1 ) ( 15 U.S. Code 1681g ) requiring disclosure of complete information upon request, and Section 611 ( a ) ( 15 U.S. Code 1681i ) requiring reinvestigation of disputed items Story : I never received a complete disclosure or itemization of this alleged debt from Equifax or the creditor, and all disputes were closed without sufficient validation, this is causing unjust damage to my credit and is highly negligent on part of the credit bureau XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$27000.00} Status : Charge Off Issue : This account is being reported as a charge off but includes incorrect balance reporting and lacks evidence of ownership and proper reporting practices Law : This is a violation of FCRA Section 623 ( a ) ( 1 ) ( A ) ( 15 U.S. Code 1681s2 ) for furnishing inaccurate information, and also Section 602 ( A ) of the FCRA which outlines the need for fair and accurate credit reporting Story : Despite contacting both XXXX XXXX and Equifax, I have not been provided with any documents proving this debt belongs to me or that it was reported correctly under the law, Equifax has failed to respond with transparency and continues to suppress my credit score with this unverified derogatory data Equifax has demonstrated a clear pattern of failing to correct inaccurate, incomplete, and unverified information even after multiple good-faith disputes from my side, I have attached supporting documentation where possible and request immediate correction or removal of all the inaccurate items above, I am also requesting the CFPB to enforce Equifaxs compliance with the FCRA and to hold them accountable for the distress and damage caused to me due to their negligence and lack of duty of care

Company response to consumer: Closed with non-monetary relief