Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this formal complaint because Equifax ( and, if involved, XXXX ) have knowingly continued to report inaccurate or unverifiable information on my credit report despite my disputes. This repeated failure to correct or remove inaccurate reporting violates federal law, including the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and related provisions in Title 15 of the U.S. Code. 
I formally disputed the XXXX XXXX XXXX XXXXXXXX XXXX account ending in XXXX with Equifax on [ insert specific date ]. 
Reinvestigation Result : Equifax 's response stated the account was Verified as Reported, despite conflicting information, inconsistent payment history, and outdated charge-off status. 
Evidence of Misreporting : Payment status notations were contradictory ( disputed yet verified ). 
No meaningful method of verification was ever provided, as required by FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). 
The account lacked accurate historical data and payment details, suggesting no real investigation was conducted. 
Legal Violations FCRA Violations ( 15 U.S.C. 1681 ) 1681e ( b ) : Equifax failed to follow reasonable procedures to ensure maximum possible accuracy.

1681i ( a ) : Failure to conduct a reasonable reinvestigation of disputed information.

1681g ( a ) : Failure to provide the full method of verification and sources.

1681s-2 ( a ) : Furnishers ' ongoing duty to report accurate information was breached.

TILA / Title 15 Violations 15 U.S.C. 1666b : Failure to post timely and accurate payment dates and histories.

15 U.S.C. 1637a ( a ) : Failure to provide clear, complete, and accurate account disclosures, including correct delinquency and payment data.

Relevant Enforcement Actions and Legal Precedents CFPB Order ( recent ) : Equifax was penalized {$15.00} XXXX for ignoring consumer evidence, re-inserting deleted inaccuracies, delivering confusing responses, and using flawed systemsviolations of FCRA 1681i and 1681e ( b ) Consumer Financial Protection Bureau.

Equifax Data Breach Settlement ( 2019 ) : Highlighted Equifaxs systemic failure in safeguarding consumer data and compliancesettlement totaling up to {$700.00} million with penalties and remediation provisions Consumer Financial Protection Bureau XXXX WIRED. 
White v. Experian ( XXXX ) : Class action against XXXX ( and others ) for failure to accurately investigate and report bankruptcy-discharged accounts. Resulted in settlement and reaffirmed reinvestigation obligations under FCRA 1681e ( b ) and 1681i ( a ) CaseMine Federal Trade Commission. 
Recent CFPB Complaint Against XXXX : Accused of failing to properly reinvestigate disputes, reinserting deleted data, and failing to follow reasonable proceduresshowing systemic enforcement of accuracy obligations Consumer Financial Protection Bureau. 
4. Harm Caused The continued reporting of inaccurate and outdated information has : Hindered my credit profile and possibly led to adverse financial decisions. 
Caused stress, frustration, confusion, and potential emotional harm. 
Prevented me from moving forward with accurate, verified credit history.

Company response to consumer: Closed with explanation