Consumer complaint received 2025-06-25 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, This is a formal complaint against Equifax for their continuous and willful violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I have made multiple good faith attempts to resolve these matters directly with Equifax, but they have refused to properly investigate or correct the inaccurate and unverifiable information that is damaging my credit profile. 
Below is a list of the accounts that remain improperly reported on my Equifax credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : Not provided | Date Opened : XX/XX/XXXX Status : Charge Off Issue : Reporting this account as charged off without providing supporting documentation or verification from the original creditor. No contract, itemized statement, or legal proof has been shared despite disputes. 
Violations : 15 U.S.C. 1681e ( b ) Reporting without ensuring maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to reasonably reinvestigate disputed information Statement : This derogatory entry remains unresolved and unverifiable. My requests for validation were ignored. Equifax is legally obligated to remove unverifiable information but failed to do so. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | High Balance : {$22000.00} | Date Opened : XX/XX/XXXX Status : Charge Off Issue : Account marked as a charge-off with no documentation of default, balance verification, or consumer notification. Reporting appears inaccurate and misleading.

Violations : 15 U.S.C. 1681b ( a ) ( 2 ) No permissible purpose to report unverifiable charge-off 15 U.S.C. 1692g ( b ) No validation of debt upon written request Statement : I never received a notice of charge-off or an opportunity to dispute the balance prior to reporting. Equifax is violating federal law by allowing this to continue unverified. 
XXXX. XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Late Payments Issue : Repeated late payment entries do not reflect actual payment arrangements or documented hardship. Equifax failed to consider supporting documentation provided in earlier disputes. 
Violations : 15 U.S.C. 1681i ( a ) Inadequate reinvestigation of disputed entries 15 U.S.C. 1681c ( a ) ( 5 ) Continued reporting of incomplete/misleading payment history Statement : I provided proof of a hardship-based payment arrangement. This account should not be reporting as consistently late, and Equifax must correct or remove the misrepresentation. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Collection Issue : The reported date of opening is in the future, which is factually impossible. This alone proves the data is inaccurate and unverifiable. No debt validation was received. 
Violations : 15 U.S.C. 1681e ( b ) Failure to maintain accurate reporting 15 U.S.C. 1692g ( a ) Failure to send written notice of debt within 5 days Statement : This collection entry is false, improperly dated, and not validated. It is causing direct credit harm and must be immediately removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$54.00} | Date Opened : XX/XX/XXXX Status : Collection Issue : I dispute this account due to suspected fraudulent activity. No validation or communication was ever made to me by the collector. Equifax continues reporting it without evidence. 
Violations : 15 U.S.C. 1681i ( a ) No proper investigation after dispute 15 U.S.C. 1692e ( 8 ) Reporting information known to be false Statement : I have not received any letters or calls related to this debt. It remains unvalidated and unverified. Continued reporting is unlawful. 
Final Request for Relief : I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate Equifax for their noncompliance with federal law. I am seeking : Immediate deletion of all unverified, inaccurate, or fraudulent accounts.

Full reinvestigation under FCRA guidelines.

Written confirmation of all actions taken to resolve these violations.

Summary of Violated Laws : 15 U.S.C. 1681e ( b ) Accuracy obligations of CRAs 15 U.S.C. 1681i ( a ) Duty to reinvestigate disputed information 15 U.S.C. 1681c Prohibition on obsolete or false data 15 U.S.C. 1692g ( b ) Failure to validate debts 15 U.S.C. 1692e ( 8 ) Reporting false or misleading information Equifaxs inaction has caused me significant financial and emotional harm. I ask the CFPB to hold them accountable and to ensure my rights as a consumer are protected.

Company response to consumer: Closed with non-monetary relief