Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To the Consumer Financial Protection Bureau, I am filing this complaint to document serious, ongoing violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), the Florida Consumer Collection Practices Act ( FCCPA ), and the Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ) by Equifax Information Services LLC, particularly in relation to their reporting and handling of an unverified and illegitimate tradeline from XXXX XXXX ( account ending XXXX XXXX XXXX XXXX XXXX ). 

Background and Timeline of Disputes XX/XX/XXXX XX/XX/XXXX : Initial disputes submitted via XXXX XXXX XXXX regarding the XXXX XXXX  account. No validation provided and no corrections made. 

XX/XX/XXXX : CFPB complaint submitted documenting Equifaxs failure to investigate, verify, or delete the tradeline. No adequate response was provided. 

XX/XX/XXXX : Follow-up CFPB complaint filed due to continued inaction and ongoing inaccurate reporting. 

XX/XX/XXXX : Account was illegally re-aged, falsely reporting the debt as current and extending the derogatory status. 

XXXX XX/XX/XXXX : Multiple disputes and inquiries blocked or ignored. Equifax refuses to accept new disputes and fails to acknowledge ongoing issues, effectively preventing me from exercising my consumer rights.

Specific Violations Violation Statute Description Failure to conduct reasonable investigation FCRA 1681i ( a ) ( 1 ) Equifax has repeatedly failed to investigate disputes within the mandated 30-day period.

Failure to delete unverified tradeline FCRA 1681i ( a ) ( 5 ) ( A ) The account remains despite zero evidence or verification from the furnisher.

Continued reporting of false data FCRA 623 ( b ) ( 1 ) ( C ) Monthly updates through XX/XX/XXXX show derogatory charge-off status despite the disputes and lack of validation.

Re-aging of account FCRA 623 ( a ) ( 5 ) Account was re-aged in XX/XX/XXXX, extending the derogatory period beyond the legal limit. 
Failure to report disputes FCRA 611 ( a ) ( 6 ) No dispute notation was added to the tradeline in violation of federal reporting requirements.

Willful reporting of false, damaging information Defamation per se False and harmful data is being published, damaging my credit and reputation.

Deceptive and unfair trade practices FDUTPA Fla. Stat. 501.204 Engaging in willful misconduct by continuing to report unverified information.

Abuse and harassment FCCPA Fla. Stat. 559.72 Continued derogatory reporting and blocking of my ability to submit disputes.

Misrepresentation and abusive debt collection FDCPA 1692e Reporting the debt as legitimate despite no validation, causing ongoing harm.

Current Harm and Willful Disregard Equifaxs conduct demonstrates a pattern of willful disregard for federal and state law. Their system now blocks me from submitting additional disputes for this account, effectively silencing my consumer rights under the FCRA. They have also failed to respond in a timely manneror at allto multiple CFPB complaints.

This sustained misconduct has caused : Financial Harm : Suppression of my credit score, denial of credit opportunities, and increased borrowing costs.

Reputational Harm : Publishing inaccurate derogatory data is defamatory and damaging.

Emotional Distress : The ongoing refusal to comply with consumer laws has caused extreme stress and hardship.

Company response to consumer: Closed with non-monetary relief