Consumer complaint received 2025-10-15 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: NY

Complaint narrative:
I am filing this complaint because Equifax Information Services, LLC has willfully violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i, 1681e ( b ), and 1681c ) by failing to conduct a lawful reinvestigation within the statutory 30-day period and continuing to report false, unverified, and derogatory accounts.

Despite written disputes and lawful demands for validation, Equifax has failed to provide any documentation or certified verification from the furnishers proving the legitimacy of these accounts. This represents a serious breach of federal consumer protection law. 

Equifaxs ongoing reporting of these unsubstantiated accounts constitutes reckless disregard for accuracy, resulting in significant credit damage, denials, and emotional distress. The following accounts remain unverified, inaccurate, and unlawfully reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Installment / Open Balance : {$12000.00} High Credit : {$150000.00} Last Reported : XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Revolving / Charge-Off Balance : {$5500.00} Past Due : {$5500.00} Last Payment : XX/XX/XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Revolving / Charge-Off Balance : {$5300.00} Past Due : {$2300.00} Last Payment : XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Revolving / Charge-Off Balance : {$16000.00} High Credit : {$16000.00} Last Payment : XX/XX/XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Revolving / Charge-Off Balance : {$2700.00} High Credit : {$2700.00} Last Payment : XX/XX/XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Revolving / Charge-Off Balance : {$2800.00} High Credit : {$2800.00} Last Payment : XX/XX/XXXX. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Revolving / Charge-Off Balance : {$710.00} Last Payment : XX/XX/XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Revolving / Charge-Off Balance : {$0.00} High Credit : {$3100.00} Account Transferred or Sold. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Revolving / Charge-Off Balance : {$5400.00} High Credit : {$5400.00} Last Payment : XX/XX/XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Installment / Charge-Off Balance : {$7300.00} High Credit : {$6100.00} Last Payment : XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open / Collection Balance : {$2600.00} Past Due : {$2600.00} Last Payment : XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Revolving / Charge-Off Balance : {$6200.00} Past Due : {$2200.00} Last Payment : XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnstallment / Charge-Off ( Auto ) Balance : {$35000.00} High Credit : {$34000.00} Last Payment : XX/XX/XXXX. 

Equifax has not presented original contracts, signed applications, itemized statements, or furnisher certifications for any of these accounts. Under FCRA 1681i ( a ) ( XXXX ), data that can not be verified within 30 days must be deleted immediately. 

This is not a clerical delay it is an intentional and systemic violation of federal law. By failing to correct or delete unverified items, Equifax demonstrates gross negligence and willful noncompliance with its duty to ensure maximum possible accuracy under FCRA 1681e ( b ).

Equifaxs conduct has directly harmed my financial reputation, causing denials of credit and emotional distress. This is an unacceptable, unlawful pattern of disregard for consumer rights and the integrity of federal credit reporting standards.

Company response to consumer: Closed with non-monetary relief