Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
CFPB Complaint Letter Equifax ( FCRA Violations & Demand for Immediate Deletion ) Consumer : XXXX XXXX Date : XX/XX/year> To Whom It May Concern, I am submitting this complaint against Equifax for failing to comply with its obligations under the Fair Credit Reporting Act ( FCRA ). Despite prior disputes, Equifax continues to report several negative accounts that are incomplete, inaccurate, and misleading. These items are directly harming my financial reputation and access to credit. 

Specifically, multiple accounts reflect no data in the payment history yet simultaneously report high past due balances or charge-off statusesa clear violation of FCRA 1681e ( b ), which requires consumer reporting agencies to ensure maximum possible accuracy. 

Due to Equifaxs willful disregard for the FCRA, I am pursuing legal action and asserting my right to {$1000.00} per violation under 1681n. 

Disputed Accounts & Identified Inaccuracies XXXX. XXXX XXXX XXXX XXXX ( Acct. ending XXXX ) Status : XXXX XXXX {$20000.00} balance Issue : The account is reporting as charged off, with no payment history data provided, but shows a full charge-off and past due amount. This lack of payment history combined with a delinquent status is incomplete and violates the accuracy requirements under 1681e ( b ). 

XXXX. XXXX XXXX XXXX XXXX ( Acct. ending XXXX ) Status : XXXX XXXX {$3200.00} balance Issue : This account also reflects no data in monthly payment history, yet reports a high past due and charge-off status. This is misleading to potential creditors and does not reflect the actual account history, making the information incomplete and unverifiable. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Acct. ending XXXX ) Status : XXXX XXXX {$9400.00} balance Issue : Payment history abruptly jumps from months of delinquency to charge-off without any substantiated payment record. XXXX failed to validate this progression upon dispute. 

XXXX. XXXX XXXX XXXX Status : Charged Off {$22000.00} balance Issue : Full charge-off listed without valid explanation of vehicle surrender, sale, or reconciliation. No data in some parts of the history while listing a full past due and charge-off amount. 

XXXX. XXXX XXXX  ( Acct. ending XXXX ) Status : XXXX XXXX {$200.00} previously, now {$0.00} balance Issue : Account is reported as XXXX, yet charge-off remains. Lack of payment trail and inconsistent reporting cause confusion and misrepresentation. 

Violations of the Fair Credit Reporting Act Equifax has violated the following FCRA provisions : 1681e ( b ) Failing to maintain maximum possible accuracy 1681i ( a ) ( 1 ) ( A ) Failing to conduct a reasonable reinvestigation after my prior disputes 1681i ( a ) ( 5 ) ( B ) Failing to notify me of reinsertion or validation after disputed information reappeared 1681i ( a ) ( 7 ) Failing to provide the description of reinvestigation procedures upon request Furthermore, reporting No Data in payment history while simultaneously listing past due balances and charge-off amounts is not only incomplete but materially misleading and therefore warrants immediate deletion of the accounts in question. 

Requested Action I request that the CFPB compel Equifax to : Immediately delete all disputed accounts due to material inaccuracies and unverifiable status ; Provide a full written description of reinvestigation procedures used for each item ; Issue confirmation that inaccurate data will not be reinserted without full compliance with 1681i ( a ) ( 5 ) ; Record this as a formal legal claim under 1681n for {$1000.00} per violation due to willful noncompliance ; Investigate why Equifax continues to report incomplete, damaging information after multiple disputes.

Company response to consumer: Closed with non-monetary relief