Consumer complaint received 2025-06-16 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: CA

Complaint narrative:
I am submitting this formal complaint due to numerous inaccurate, duplicated, outdated, and legally non-compliant entries being reported on my credit reports. These accounts have not been corrected or removed despite multiple written disputes directly submitted to the credit reporting agencies. I currently have an open CFPB complaint regarding these unresolved issues and have yet to escalate to the FTC, although that remains a possible next step. 
The credit bureaus have failed to uphold their obligations under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by continuing to report unverifiable, obsolete, and misleading informationresulting in irreparable harm to my financial integrity, personal well-being, and access to essential financial services. 
List of Disputed Accounts and Associated Legal Violations : DPT ED/XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  All Opened : XX/XX/XXXX Late Payments XXXX. Balance : {$3600.00} XXXX. Balance : {$4300.00} XXXX. Balance : {$3400.00} XXXX. Balance : {$4100.00} XXXX. Balance : {$1900.00} XXXX. Balance : {$7200.00} XXXX. Balance : {$4400.00} XXXX. Balance : {$4400.00} XXXX. Balance : {$2600.00} Issues and Violations : Duplicate Reporting : Multiple entries for the same account artificially inflate debt load FCRA 607 ( b ) : Inaccurate reporting of late payments not supported by full validation FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing data with known errors FCRA 611 ( a ) ( 1 ) ( A ) : Failure to reinvestigate after dispute FDCPA 809 ( b ) : Lack of debt validation on request DEPTEDXXXX XXXX. # XXXXXXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$0.00} | Late Payments XXXX. # XXXXXXXX XXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance : {$0.00} | Late Payments XXXX. # XXXXXXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$0.00} | Late Payments XXXX. # XXXXXXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$0.00} | Late Payments XXXX. # XXXXXXXX XXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | High Credit : {$1400.00} | Late Payments XXXX. # XXXXXXXX XXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | High Credit : {$3500.00} | Late Payments XXXX. # XXXXXXXX XXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | High Credit : {$2000.00} | Late Payments XXXX. # XXXXXXXX XXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | High Credit : {$3500.00} | Late Payments XXXX. # XXXXXXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | High Credit : {$2000.00} | Late Payments Issues and Violations : Accounts showing {$0.00} balance still reporting derogatory marks FCRA 605 ( a ) : Reporting obsolete derogatory data ( accounts over XXXX XXXX XXXX ) FCRA 607 ( b ) : Reporting unverifiable historical data FDCPA 807 ( 8 ) : Misleading presentation of account status FCRA 602 : Failure to ensure maximum possible accuracy XXXXXXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX | High Credit : {$7000.00} | Status : Charge Off Issues and Violations : No verification provided upon dispute FCRA 611 ( a ) : No proper reinvestigation FDCPA 808 ( 1 ) : Use of false representation regarding debt amount DOE XXXX All Opened : XX/XX/XXXX Late Payments XXXX. # XXXXXXXX XXXX XXXX XXXX XXXX  | High Credit : {$2000.00} XXXX. # XXXXXXXX XXXX XXXX XXXX XXXX  | High Credit : {$3500.00} XXXX. # XXXXXXXX XXXX XXXX XXXX XXXX | High Credit : {$3500.00} XXXX. # XXXXXXXX XXXX XXXX XXXX XXXX  | High Credit : {$3000.00} XXXX. # XXXXXXXX XXXX XXXX XXXX XXXX | High Credit : {$1400.00} XXXX. # XXXXXXXX XXXX XXXX XXXX XXXX  | High Credit : {$160.00} XXXX. # XXXXXXXX XXXX XXXX XXXX XXXX  | High Credit : {$4000.00} XXXX. # XXXXXXXX XXXX XXXX XXXX XXXX | High Credit : {$150.00} XXXX. # XXXXXXXX XXXX XXXX XXXX XXXX  | High Credit : {$3500.00} Issues and Violations : Duplicate entries with similar account numbers and opening dates Recent accounts showing errors upon opening potential identity or administrative error FCRA 623 ( b ) ( 1 ) : Failure to respond to disputes within 30 days FCRA 607 ( b ) : Lack of accuracy and integrity FDCPA 807 : Use of misleading data to coerce payment Narrative of Harm : These repeated, unresolved inaccuracies have severely impacted my life : I have been denied essential lines of credit and housing My auto loan rate was inflated due to my score dropping unjustly I suffer emotional distress, anxiety, and financial harm daily I am forced to explain and defend against negative data that should not legally exist on my report The credit reporting agencies and data furnishers are clearly failing in their legal duty to maintain accurate, verifiable, and up-to-date information, and are instead repeatedly violating the rights I am afforded under the FCRA and FDCPA.

Relief Requested : I request the following : 1. Immediate removal or correction of all above-listed inaccurate entries 2. Written proof of proper reinvestigation or deletion as per 15 U.S.C. 1681i 3. Initiation of CFPB enforcement action against any furnisher or CRA found to be negligent or non-compliant 4. Financial and non-financial remediation for damages incurred from the errors Supporting Documents ( to be attached ) : Copies of prior dispute letters Credit report screenshots

Company response to consumer: Closed with non-monetary relief