Consumer complaint received 2025-07-02 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: MI

Complaint narrative:
I am submitting this formal complaint regarding the multiple inaccurate, misleading, and harmful reporting issues present on my Equifax credit report. The inaccuracies violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which mandates that credit reporting agencies must ensure maximum possible accuracy of consumer information and promptly correct or delete incomplete or inaccurate data. The presence of these errors is causing significant damage to my creditworthiness and financial wellbeing. Below I detail each account and inquiry with their specific issues, citing applicable laws. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Chargeoff Issue : This account is reported as a charge-off despite my dispute of the balance and payment status. The balance is inaccurately shown as {$0.00} which contradicts other information and misleads lenders about my true liability. Equifax failed to conduct a reasonable reinvestigation under 15 U.S.C. 1681i ( a ) after I submitted my dispute. The inaccurate charge-off status violates the FCRA requirement to maintain accurate, complete, and verifiable information. This incorrect reporting negatively impacts my credit score and loan eligibility. I demand immediate correction or deletion of this false charge-off entry. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$6100.00} Chargeoff Issue : This account is also incorrectly reported as charged off with an inflated balance of {$6100.00} that I have disputed multiple times. Equifaxs failure to verify this amount or properly investigate after dispute is a violation of FCRA 1681i ( a ) and 1681e ( b ), which require credit bureaus to maintain accurate and complete consumer data and conduct reasonable investigations upon dispute. The erroneous charge-off status and balance amount severely harm my credit reputation and cause financial distress. I request immediate correction to reflect accurate balance and status or removal of this account. 
XXXX XX/XX/XXXX Inquiry Issue : This hard inquiry is reported but was not authorized by me. Equifax has an obligation under FCRA 1681b to only report inquiries that have proper permissible purpose and consumer authorization. The presence of this unauthorized inquiry constitutes a violation of my privacy rights under FCRA and damages my credit profile unfairly. I demand deletion of this unauthorized inquiry from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry Issue : Similar to the above, this hard inquiry lacks my authorization and Equifax failed to verify its legitimacy. The continued presence of this inquiry violates FCRA requirements under 1681b and negatively impacts my creditworthiness without justification. Immediate removal is demanded. 
These issues combined represent a clear pattern of Equifaxs failure to comply with the FCRA requirements to maintain accurate credit information, conduct proper reinvestigations after disputes, and respect consumer privacy rights regarding inquiries. The inaccurate and unauthorized data has caused substantial harm including denial of credit opportunities, increased interest rates, and emotional distress. 
Under FCRA 1681i ( a ) and 1681e ( b ), Equifax is legally obligated to reinvestigate and correct or delete any inaccurate information promptly upon notice. Their failure to do so constitutes willful noncompliance and exposes them to liability. I demand full compliance with all FCRA provisions, immediate correction or deletion of all disputed inaccuracies and unauthorized inquiries, and notification of these changes to all relevant creditors and users of my credit report. 
If these issues are not resolved promptly, I am prepared to escalate this complaint to the Consumer Financial Protection Bureau for enforcement action and seek all available legal remedies under federal law, including damages for willful violations of my consumer rights.

I expect confirmation of receipt of this complaint and a timely resolution in accordance with FCRA mandates.

Company response to consumer: Closed with non-monetary relief