Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear CFPB Representative, I am filing this formal complaint to report multiple inaccuracies and inconsistencies between my Equifax and XXXX  credit reports, and to request immediate regulatory intervention against Equifax Information Services LLC for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

This is my third formal complaint filed with the CFPB regarding these same ongoing credit reporting issues. Additionally, I have submitted two separate complaints to the XXXX XXXX XXXX XXXX XXXX XXXX. Despite my repeated efforts, I am still having to dispute the same accounts, many of which have been verified multiple times by Equifax without providing any supporting documentation to substantiate how the information was verified or by whom. 

Summary of Reporting Discrepancies and Violations 1. Inconsistent Reporting of Tradelines Between Equifax and XXXX XXXX XXXXXXXX XXXX Account Number ending in XXXX on Equifax, XXXX on XXXX  ) : Equifax lists this account as " XXXX Days Past Due '' with a past due balance of {$40.00}, while XXXX   provides inconsistent balance reporting and has conflicting dispute remarks. The account was previously in dispute and marked resolved despite the payment issue remaining. This account has been disputed multiple times and Equifax has yet to provide any documentation explaining how or why the reporting was verified. 

XXXX ( Account Number ending in XXXX on Equifax, XXXX on XXXX  ) : The account is listed under dispute on both reports but shows inconsistent balances, payment dates, and status updates. Equifax reports a balance of {$370.00} and reflects discrepancies in monthly payments. This account has also been previously disputed with no evidence of verification ever provided. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( Authorized User, Account Number ending in XXXX on Equifax, XXXX on XXXX  ) : Although marked as Pays As Agreed on both reports, the balance histories and last payment dates conflict. XXXX  reports the most recent payment in XXXX, while Equifax shows XXXX balance without corresponding activity. 

XXXX ( Account Number ending in XXXX on Equifax ) XXXX This account appears only on Equifax and is marked as a charge-off with a {$42.00} charge-off amount. The balance is {$0.00}, the account is closed, and it has not been updated to reflect resolution or removal of derogatory information. 

XXXX XXXX XXXX XXXX  XXXX ( Individual Account ) ( Account Number ending in XXXX on Equifax, XXXX on XXXX  ) : Equifax still shows XXXX day delinquencies for a closed account that has not had activity since early XXXX. XXXX  reflects more recent dispute updates and resolution, but Equifax does not. 

2. Outdated and Irrelevant Inquiries on Equifax Equifax is reporting hard inquiries that are over 24 months old. These inquiries have no link to any active tradeline and are no longer relevant under the permissible purposes defined in FCRA 1681b ( c ).

Soft inquiries appear on Equifax with no identifiable connection to a current or open credit relationship and should be removed unless a permissible purpose can be confirmed as per FCRA 1681b ( f ).

3. Failure to Conduct Proper Investigations Multiple accounts, including XXXX XXXX, XXXX, and XXXX  XXXX, are marked with reinvestigation codes on Equifax, but the credit reporting agency has failed to update statuses or correct inaccuracies after the 30-day FCRA dispute window outlined in FCRA 1681i ( a ).

Despite claiming these accounts have been verified, Equifax has not provided any supporting evidence or a reasonable method of verification, as required by FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). 

4. Unjustified Retention of Negative Marks XXXX remains on Equifax as XXXX charge-off with a {$42.00} charge-off amount, even though the balance is {$0.00}, and the account was closed in XXXX. XXXX  does not show this account, raising concerns about whether Equifax is maintaining this derogatory mark in error or beyond the permissible reporting period. 

FCRA and FDCPA Violations Cited FCRA 1681e ( b ) Failure to ensure maximum possible accuracy of consumer report information.

FCRA 1681i ( a ) Failure to properly reinvestigate disputed information within 30 days.

FCRA 1681b ( c ) Reporting inquiries beyond 12 months that are not associated with any new account or transaction.

FCRA 1681b ( f ) Permitting access to my file without a permissible purpose.

FCRA 1681g and 1681h Inadequate consumer disclosures and failure to clearly explain retained negative marks.

FDCPA 807 ( 15 U.S.C. 1692e ) Misleading representation of debt or status by furnishers and agencies. 


Please consider this a formal request for enforcement action, as these discrepancies have materially impacted my ability to obtain credit and demonstrate a systemic pattern of negligence.

Company response to consumer: Closed with non-monetary relief