Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding Equifaxs continued failure to accurately report and correct several critical errors on my credit file, despite my previous disputes and direct notifications. These inaccuracies are negatively affecting my creditworthiness, causing emotional distress, and directly violating my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Consumer Financial Protection Act ( CFPA ).

Below are the specific accounts being reported with incorrect or misleading information : XXXX. XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$340.00} Date Opened : XX/XX/XXXXXXXX  Issue : Late Payment Violations & Law References : FCRA Section 607 ( b ) Equifax failed to follow reasonable procedures to ensure maximum possible accuracy. 
FCRA Section 611 ( a ) Failure to properly reinvestigate after dispute.

CFPA Section 1036 Unfair and deceptive reporting practices.

Story : I have disputed this XXXX XXXX account multiple times due to inaccurate late payment entries that I have already clarified with XXXX XXXX 's customer service. Equifax has failed to conduct a proper reinvestigation, nor have they provided any verification documentation. I never received proper notification of delinquency, and no validation of debt has been supplied. Reporting inaccurate late payments without full investigation is damaging and unlawful. 
XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$720.00} Date Opened : XX/XX/XXXXXXXX  Issue : Late Payment Violations & Law References : FCRA Section 602 ( A ) Right to fair and accurate credit reporting.

FCRA Section 611 ( a ) Inadequate reinvestigation of dispute.

FDCPA Section 809 ( b ) No proper validation of debt was provided when requested.

CFPA Section 1036 Continued reporting of disputed inaccurate information is unfair and abusive. 
Story : The XXXX XXXX XXXX account reflects inaccurate late payments, despite my consistent efforts to resolve and dispute this with both the furnisher and Equifax. I have never received proper verification or validation of this debt. This negligence has led to serious harm to my credit profile. Equifax continues to include this inaccurate account in my file even after several formal disputes and complaints, showing a pattern of disregard for my consumer rights. 
Summary of Harm and Ongoing Impact : Equifax 's reporting failures and negligence in verifying disputed information have directly caused : Denial of credit and financial hardship Emotional distress and XXXX  Reputational damage due to inaccurate public credit profile This is my second time raising these issues and Equifax has yet to conduct a reasonable investigation or provide proper documentation to justify the continued reporting of these entries. 
Requested Resolution : 1. Immediate deletion or accurate correction of the above-mentioned accounts.

2. Written confirmation of investigation outcomes and evidence used to verify.

3. Compliance with FCRA Section 611 and all associated laws in a timely and transparent manner.

4. Cease reporting any unverifiable or inaccurate information on my credit file. 
Legal References Summary : FCRA 602, 607, 611 FDCPA 809 CFPA 1036 Please take this complaint seriously. If this matter is not resolved promptly and fairly, I am prepared to escalate this issue to the Federal Trade Commission ( FTC ), State Attorney General, and pursue legal counsel for damages under applicable consumer protection laws.

Company response to consumer: Closed with non-monetary relief