Consumer complaint received 2025-07-05 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: GA

Complaint narrative:
To Whom It May Concern CFPB, I am writing to formally file a complaint against Equifax Information Services LLC for willfully and negligently reporting inaccurate, incomplete, and unverifiable information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) and other applicable laws. Despite my right to fair and accurate credit reporting, Equifax continues to report derogatory information that is factually incorrect and has caused significant harm to my financial health and reputation. 
Disputed Account : Creditor Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  High Balance : {$16000.00} Date Opened : XX/XX/year> Issue : This account is inaccurately reported on my Equifax credit report. The information reflected is either outdated, unverifiable, or misleading. There is no proper documentation provided to validate this debt. Moreover, I have not received any notice or itemized accounting from the creditor validating the balance or terms under the Fair Debt Collection Practices Act ( FDCPA ). Additionally, I have reasons to believe that this account may be the result of erroneous reporting or identity-related inaccuracies.

Violations Involved : 15 U.S. Code 1681e ( b ) : Equifax has failed to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i : Upon receiving a consumer dispute, the CRA must reinvestigate within 30 days. Equifax has failed to properly investigate or remove this inaccurate reporting.

15 U.S. Code 1681g & 1681h : I have not received complete information on how this tradeline was verified, nor did I receive any documentation or investigation results in writing from Equifax. 
Fair Debt Collection Practices Act ( FDCPA ) : There has been no validation of this alleged debt, and Equifax is reporting without confirming legitimacy. 
Despite my efforts to request investigation and correction, Equifax continues to maintain this harmful account on my credit file without lawful justification or proper validation. This has adversely affected my ability to obtain credit, increased my insurance premiums, and caused severe mental and financial distress. The presence of this derogatory item is not only inaccurate but also a violation of federal law. 
I am respectfully requesting that the CFPB intervene immediately and compel Equifax to conduct a lawful and complete investigation into this account, remove the inaccurate reporting, and provide full compliance documentation for their procedures. I am also requesting all supporting documentation Equifax used to verify this account. 
Equifax has a legal duty under the FCRA to ensure the accuracy of all information reported. The continuous failure to do so constitutes willful noncompliance, and I am prepared to escalate this matter legally if resolution is not achieved promptly. 
I respectfully urge the CFPB to enforce my rights under the FCRA and to hold Equifax accountable for its failure to comply with the law.

Company response to consumer: Closed with non-monetary relief