Consumer complaint received 2025-07-12 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: NY

Complaint narrative:
Dear CFPB Officer, I am filing this formal complaint against Equifax for their ongoing failure to correct and remove multiple inaccurate, unverifiable, and damaging entries from my credit report. Despite previous disputes and my efforts to resolve the matter directly, Equifax has failed to conduct a proper reinvestigation as required by the Fair Credit Reporting Act ( FCRA ). 

Below, Ive outlined each disputed item and the legal violations involved : XXXX. XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX High Credit : {$770.00} | Date Opened : XX/XX/XXXX * * Issue : Late payments were reported during a period of financial hardship for which I had received a payment arrangement. These derogatory marks are misleading and do not reflect the agreement made. 

Laws Violated : FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers must not report information they know to be inaccurate.

FCRA 611 ( a ) : If the information can not be verified, it must be removed from the credit report.

Impact : This incorrect reporting has lowered my credit score and has caused me to be denied for affordable credit terms. I followed protocol by informing the creditor and making arrangements, only to be penalized unfairly by Equifaxs refusal to remove the inaccurate data. 

XXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Collection * * Issue : This is an unknown collection account. I have never received validation, communication, or a breakdown of this alleged debt. 

Laws Violated : FCRA 609 ( a ) ( 1 ) : Consumers have a right to know the source and full details of the information in their credit file.

FCRA 611 ( a ) : Equifax is required to delete unverifiable items after a dispute.

Impact : This false collection is damaging my financial credibility. It has shown up suddenly without notice or validation, and Equifax has refused to provide documentation or remove the account. I believe this is a reporting error or a debt that was never mine to begin with. 

XXXX. XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX High Credit : {$14000.00} | Date Opened : XX/XX/XXXX | Collection * * Issue : This is a third-party collection from a debt buyer. I have never received any documentation, validation, or breakdown of this alleged debt. There is no proof it belongs to me. 

Laws Violated : FCRA 609 ( a ) ( 1 ) : Equifax must disclose complete account origins and supporting information.

FDCPA 809 : Debt collectors must provide validation upon request.

FCRA 611 ( a ) : Credit bureaus must remove unverified information after a consumer dispute.

Impact : I believe this may be a re-aged or inaccurately reported debt, and I have not been presented with proof of its legitimacy. This item is preventing me from moving forward financially, and Equifax has failed to validate or remove i
t.

Summary of Non-Compliance Equifax has violated the following FCRA provisions : FCRA 607 ( b ) : Failure to maintain maximum possible accuracy.

FCRA 609 ( a ) ( 1 ) : Failure to provide source and documentation of disputed information.

FCRA 611 ( a ) : Failure to properly reinvestigate and delete unverifiable accounts.

FCRA 623 ( a ) ( 1 ) ( A ) : Reporting of known inaccurate information by furnishers.

Resolution Requested I respectfully request the CFPB take the following actions : Require Equifax to delete the XXXX XXXX XXXX late payment notations, and the two collection accounts ( XXXX XXXX XXXX XXXX XXXX ) unless they can be fully verified through original source documentation. 

Investigate Equifaxs reinvestigation process and determine whether they are acting in accordance with FCRA requirements. 

Impose civil penalties or enforcement measures if violations are confirmed. 

I have attached a copy of my original dispute letter to Equifax for reference, and I request that your office intervene to ensure this matter is resolved fairly, transparently, and within the protections of federal law. 

Thank you for your time and for your continued advocacy on behalf of consumers.

Company response to consumer: Closed with explanation