Consumer complaint received 2025-07-20 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: MI

Complaint narrative:
On XX/XX/XXXX, I submitted a formal written dispute and privacy opt-out to Equifax detailing each violation and requesting action within 1530 days. That notice included an itemized list of disputed entries, legal basis for each demand, and a request for documentation proving verification under FCRA standards. To date, Equifax has failed to comply fully with my request, failed to validate the information as required, and has continued to disseminate this damaging, unverified information. 

I am submitting this formal complaint against Equifax for its continued reporting of false, defamatory, and unverifiable information on my credit report. Despite my prior written dispute submitted on XX/XX/XXXX, Equifax has failed to correct, remove, or properly investigate the numerous inaccurate and damaging items I identified. These include fraudulent accounts, incorrect late payments, duplicated charge-offs, unauthorized hard inquiries, and outdated personal identifiersnone of which are substantiated by lawful documentation or verified authorization. 

My credit report currently contains derogatory accounts from institutions such as XXXX, XXXX, XXXX, XXXX XXXX , and others, which include entries reported without my consent or knowledge. Additionally, certain student loan accounts, originally tied to my educational records, have been disclosed to Equifax and reported to third parties in direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and the Privacy Act of XXXX. No written consent was ever granted to release or report these records, and such disclosures represent serious breaches of federal privacy protections. 

Furthermore, Equifax is reporting hard inquiries from several institutionssuch as XXXX, XXXX, and XXXXthat were not authorized by me, nor were they initiated by any credit application or business transaction. These inquiries violate 15 U.S.C. 1681b, which governs permissible access to consumer reports. Equifax has also failed to comply with 15 U.S.C. 1681i, which requires consumer reporting agencies to conduct reasonable investigations and delete unverifiable information. To date, no documentation has been provided to support the continued reporting of these items, and no meaningful action has been taken to resolve my dispute. 

This misconduct by Equifax has resulted in material harm to my financial reputation, creditworthiness, and ability to access fair credit opportunities. I have suffered delays in personal financing, been denied favorable lending terms, and endured the stress and frustration of trying to correct inaccurate information that Equifax refuses to remove or properly investigate. 

Despite my detailed, timely dispute and my demand for reinvestigation in accordance with the Fair Credit Reporting Act ( FCRA ) specifically 15 U.S.C. 1681e ( compliance procedures ) and 1681n ( civil liability for willful noncompliance ) Equifax continues to disseminate false and damaging information to third parties. This is not only negligent, it is unlawful and actionable.

Company response to consumer: Closed with non-monetary relief