Consumer complaint received 2025-08-23 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: FL

Complaint narrative:
I am filing this complaint because Equifax has failed to properly investigate and correct inaccurate and unverifiable information on my credit report. Despite multiple written disputes over an extended period of time, this is now my eighth dispute, and Equifax continues to report outdated, unverifiable, and damaging information without providing proof of accuracy or proper verification from the furnishers. This has had a significant negative impact on my credit score, my ability to access fair credit opportunities, and my overall financial well-being. 

One of the accounts I have repeatedly disputed is XXXXXXXX XXXX account number XXXXXXXX XXXX XXXX opened on XX/XX/XXXX with a reported balance of {$4500.00} * *. This account is reported as a charge-off but is clearly beyond the allowable seven-year reporting period set by 15 U.S.C. 1681c ( a ) ( 4 ). Equifax has never provided documentation showing the date of first delinquency or proof of validity. Continuing to report this obsolete account violates federal law and demonstrates a failure to conduct a proper reinvestigation. 

Another item is XXXX XXXX, account number XXXXXXXX XXXX XXXX  opened on XX/XX/XXXX with a reported high credit of {$5700.00} * *. This tradeline has discrepancies in its reporting, and Equifax has not provided verification from the original furnisher despite multiple disputes. Under 15 U.S.C. 1681i ( a ) ( 5 ), any account that can not be verified must be deleted, but Equifax has not acted in compliance with this requirement. 

Equifax is also reporting XXXX, account number XXXXXXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$5300.00} * *. This account contains reporting errors and has not been validated. My repeated requests for proof of this accounts accuracy have been ignored, violating both the reinvestigation requirements under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and the accuracy requirement under 1681e ( b ). 

Additionally, Equifax continues to report XXXX, account number XXXXXXXX XXXX XXXX opened on XX/XX/XXXX with a high credit of {$8500.00} * *. This entry also remains unverified and has not been substantiated with original documentation. Keeping these items on my credit file after multiple disputes shows a clear pattern of negligence and noncompliance with the FCRA. 

Equifax has failed to meet its legal obligations to ensure maximum possible accuracy and to properly reinvestigate disputed information. My multiple dispute submissions should have resulted in deletion of unverifiable and obsolete information, yet Equifax continues to report these accounts with no proof of their validity. 

I am requesting that the Consumer Financial Protection Bureau take immediate action to hold Equifax accountable for its repeated violations of the Fair Credit Reporting Act. I am asking for the deletion of all unverifiable and obsolete accounts, a corrected credit report, and written confirmation of the investigation results. I also request that Equifax provide documentation for any account they choose to continue reporting.

Company response to consumer: Closed with non-monetary relief