Consumer complaint received 2025-05-09 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: FL

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report and Violation of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am submitting this formal complaint against Equifax regarding the inaccurate and inconsistent information reported on my credit report. The data in question directly violates the Fair Credit Reporting Act ( FCRA ), and it continues to harm my creditworthiness despite prior dispute efforts. 
Affected Account ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charged off as bad debt * XXXX : Closed due to inactivity * XXXX : Charged off and closed by creditor Legal Violations and Grounds for Dispute : Under Section XXXX of the FCRA, I have the right to dispute any inaccuracies on my credit report and to request a reinvestigation. I formally exercised this right and requested an investigation of the accounts listed above. However, Equifax has failed to conduct a reasonable or thorough investigation or correct the discrepancies in accordance with the law. 
The reported accounts contain multiple inconsistencies and discrepancies across the XXXX bureaus : * Different " Date Opened '' and " Date Closed '' * Conflicting " Credit Limits '' * Inconsistent " Account Status '' and " Remarks '' * Missing or conflicting payment history and charge-off status These issues violate multiple provisions of the FCRA, including : XXXX Section 609 ( a ) ( 1 ) ( A ) Requirement for verification of accounts through original signed documentation. 
XXXX. Section 611 Right to dispute inaccuracies and obtain a reinvestigation of any disputed information. 
XXXX. Section 623 ( a ) ( 5 ) Obligation to remove unverifiable or inaccurate information not validated by the original creditor. 
XXXX. 15 U.S. Code 1681e ( b ) Requirement that consumer reporting agencies follow reasonable procedures to ensure the maximum possible accuracy of credit report information. 
Despite my formal request, Equifax failed to : * Provide a complete and detailed description of the investigation. 
* Produce any original documentation. 
* Remove or correct unverifiable and inconsistent data. 

Impact of Inaccurate Reporting : As a direct result of this negligent reporting, I have suffered substantial harm : * Damaged credit scores * Denied access to affordable credit and housing * Emotional and financial distress This failure to comply with federal law is not a minor oversightit is a significant violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Resolution Requested : I am formally requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and ensure that Equifax complies with federal regulations by : XXXX. Conducting a full and thorough reinvestigation of the accounts in question. 
XXXX. Removing or correcting any inaccurate or unverifiable information. 
XXXX. Enforcing compliance with Sections 609, 611, 623, and 1681e ( b ) of the FCRA. 
XXXX. Ensuring the bureaus adopt procedures that prevent future harm to consumers. 

Thank you for your attention to this matter. I look forward to your response and to the prompt resolution of these violations.

Company response to consumer: Closed with explanation