Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I. SUMMARY OF THE COMPLAINT This complaint is filed against Equifax Information Services, LLC for : Refusing to delete inaccurate, obsolete, and unlawfully reported negative information Continuing to report paid, charged-off, closed, or incorrect accounts Ignoring my disputes and instructions as required under federal law Allowing unresolved inaccuracies to damage my credit profile Causing ongoing financial harm, emotional harm, and loss of opportunities Violating multiple sections of the Fair Credit Reporting Act ( FCRA ) Engaging in unfair, deceptive, and abusive practices under the Consumer Financial Protection Act ( CFPA ) Equifaxs actions have destroyed my credit standing, disrupted my life, denied me access to financial tools, and caused severe hardship. 

CFPB intervention is urgently required.

-- - II. MISCONDUCT BY EQUIFAX Equifax engaged in the following unlawful conduct : -- - 1. Refusal to Delete or Correct Clearly Inaccurate Information Despite repeated disputes, Equifax continues to report : Paid-in-full accounts as delinquent Charged-off accounts inaccurately Accounts that should no longer appear under the FCRAs reporting limits Balances that do not exist Inquiries and tradelines I did not authorize This violates : FCRA 602 ( A ) ( 15 U.S.C. 1681 ) Credit reports must be fair, accurate, and impartial.

FCRA 607 ( B ) ( 15 U.S.C. 1681e ( b ) ) Equifax MUST follow reasonable procedures to assure maximum accuracy.

FCRA 605 ( 15 U.S.C. 1681c ) Certain information can not be reported past statutory limits. 

Equifax ignored these obligations.

-- - 2. Failure to Conduct a Lawful Reinvestigation of Disputes Under the FCRA : FCRA 611 ( 15 U.S.C. 1681i ) Equifax MUST : Conduct a reasonable reinvestigation Contact data furnishers Review all relevant information Delete inaccurate or unverifiable information Complete the investigation within 30 days Equifax failed to : Provide a lawful reinvestigation Provide documentation validating the tradelines Remove information that furnishers could not verify Equifax mailed previously verified responses without any reinvestigation, which is unlawful.

-- - 3. Continued Reporting of Disputed or Unverified Information Under : FCRA 623 ( a ) ( 3 ) If an account is disputed, it must be reported as disputed.

FCRA 623 ( b ) If a furnisher can not verify information, the CRA MUST delete it. 

Equifax continued reporting : Incorrect balances False delinquencies Out-of-date charge-offs Incorrect statuses Severely damaging negative entries WITHOUT marking them as disputed and WITHOUT deleting unverifiable information.

This is a willful FCRA violation.

-- - 4. Allowing Inaccuracies to Cause Severe Harm Equifaxs negligence resulted in : Denial of credit Increased interest rates Rejection of housing applications Emotional distress Loss of financial opportunity Obstruction of personal and professional stability Under FCRA 616 and 617, Equifax is liable for : Actual damages Statutory damages Punitive damages Attorney fees -- - III. SPECIFIC FEDERAL LAWS AND REGULATIONS VIOLATED Below are the exact legal provisions Equifax violated.

-- - FCRA 602 Congressional Findings ( 15 U.S.C. 1681 ) Credit reporting must be accurate, fair, and respect consumer rights.

Equifax violated this foundation.

-- - FCRA 607 ( b ) Reasonable Procedures ( 15 U.S.C. 1681e ( b ) ) CRAs MUST ensure maximum accuracy. 

Equifax failed. 

Case Law : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) CRAs liable when failing to ensure accuracy.

-- - FCRA 611 Reinvestigation Requirements ( 15 U.S.C. 1681i ) Equifax must : Reinvestigate disputes Delete unverifiable information Provide documentation Equifax did not. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CRA must do more than contact furnisher ; investigation must be meaningful.

-- - FCRA 623 Duty to Correct & Update Information If Equifax receives notice that information : Is inaccurate Is unverifiable Is outdated Is disputed They MUST delete or correct it.

They did not. 

Case Law : XXXXXXXX XXXX XXXX XXXX XXXX Furnisher + CRA liable for failing to mark disputed items. 

XXXXXXXX XXXX XXXX XXXX  XXXX CRAs must delete unverifiable items.

-- - Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5381, 5531, 5536 UDAAP Equifaxs conduct is : Unfair Causes unavoidable harm Deceptive Misrepresents accuracy Abusive Exploits asymmetry of power CFPB has full authority to : Penalize Equifax Order deletion Order restitution

Company response to consumer: Closed with explanation