Consumer complaint received 2026-01-29 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: NY

Complaint narrative:
I am filing this complaint because Equifax and multiple furnishers have engaged in a sustained pattern of inaccurate, contradictory, and unverifiable credit reporting despite my disputes, causing ongoing and measurable harm to my credit profile. My consumer file was impacted by both the Equifax Data Breach and the National Public Data exposure, which places Equifax and its data furnishers under an elevated duty of care to ensure maximum possible accuracy. Instead, my credit report contains widespread reporting defects that remain unresolved. 

The accounts involved include, but are not limited to, XXXX XXXX XXXX multiple accounts reported as charged off and collections with conflicting balances and no payment history, XXXX reported as closed and paid while simultaneously publishing severe delinquencies, XXXX Card reported as both chargeoff and collection with inconsistent timelines, XXXX XXXX XXXX XXXX reporting paid and closed accounts as negative or charged off, XXXX XXXX  and XXXX  installment accounts reported with no documentation of liability, XXXX XXXX reporting contradictory open and closed statuses, XXXX XXXX XXXX reporting a collection without any original creditor documentation, XXXX XXXX XXXX reporting a collection with no contract or itemization, XXXX reporting a large chargeoff without verification, XXXX XXXX XXXX XXXX reporting both revolving and installment accounts as chargeoffs without payment history, XXXX XXXX reporting a chargeoff without contractual proof, XXXX XXXX XXXX reporting a chargeoff without complete history, XXXX XXXX reporting a collection without documentation, XXXX XXXX XXXX XXXX  XXXX reporting duplicative and contradictory chargeoff and collection data, XXXX XXXX XXXX XXXX XXXX reporting a zero-balance charge account as a chargeoff, XXXX mortgage and recreational merchandise accounts reporting severe late payments on closed paid accounts with inconsistent delinquency timelines, and multiple other XXXX and XXXX XXXX tradelines reflecting similar defects. 

Across these accounts, the same violations repeat. Furnishers report chargeoffs and collections without producing signed agreements, payment histories, itemized balances, or proof of legal liability. Several accounts are reported with zero balances but still coded as negative. Others are reported inconsistently across bureaus, with Equifax showing negative status while Experian and TransUnion show positive or paid history, proving the information is not accurate or verifiable. Many accounts lack any payment history at all, yet include severe delinquency codes. Inquiries such as XXXX were placed without my authorization, and non-credit personal data such as employer information from XXXX is reported inaccurately and without relevance. 

I submitted disputes in good faith, yet Equifax repeatedly marked these accounts as verified without providing the method of verification or correcting obvious errors. This indicates that the investigations were not reasonable and did not meet Fair Credit Reporting Act standards. The continued reporting of these items after notice demonstrates willful noncompliance rather than isolated mistakes. 

As a result, my credit score has been suppressed, my credit utilization and derogatory metrics have been artificially inflated, and my access to fair credit terms has been impaired. This harm is ongoing.

Company response to consumer: Closed with non-monetary relief