Consumer complaint received 2025-07-01 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: TX

Complaint narrative:
I am submitting this formal complaint against Equifax due to persistent reporting of inaccurate, outdated, and unverifiable information on my credit report. I have previously disputed this information with Equifax, yet they have failed to conduct a reasonable investigation as required by law. My rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) have been violated. The following accounts, addresses, and hard inquiries are being reported inaccurately and are severely damaging my creditworthiness, livelihood, and access to financial opportunities. 
ACCOUNTS REPORTING INACCURATELY 1. DEPT OF ED/XXXX  Account # XXXXXXXX XXXX Date Opened : XX/XX/XXXX | High Balance : {$3500.00} | Status : Late Payment This account is being reported with late payments that are not accurate or verifiable. According to 15 U.S. Code 1681s-2, furnishers of information must ensure maximum possible accuracy. Additionally, under 15 U.S. Code 1681i, a reinvestigation is required when a consumer disputes any item of information. Equifax failed to properly verify the account or provide documented evidence of these alleged late payments. Reporting unverifiable late payments violates FCRA Sections 623 and 611. 
2. DEPT OF EDXXXX  Account # XXXX XXXX  Date Opened : XX/XX/XXXX | High Balance : {$2000.00} | Status : Late Payment This is another Dept of EdXXXX account reporting late payments, which I have no recollection of and have disputed multiple times. Equifax has failed to perform a proper reinvestigation, violating FCRA 611 [ 15 U.S.C. 1681i ]. No original signed documentation has been provided. Continued reporting of inaccurate information without proper investigation is considered willful non-compliance under FCRA 616. 
XXXX XXXX XXXXXXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX | High Balance : {$14000.00} | Status : Late Payment This tradeline reflects multiple late payments and has severely impacted my credit score. I requested detailed documentation, payment history validation, and a copy of any original signed agreement, none of which has been provided by Equifax. Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], Equifax must maintain reasonable procedures to assure maximum accuracy, which they have failed to do. My dispute rights under FCRA 611 were ignored. 
XXXX. XXXX XXXX XXXX Account # XXXXXXXX XXXX Date Opened : XX/XX/XXXX | High Balance : {$32000.00} | Status : Charge Off This charge-off status is inaccurate. I was never properly notified of this debt or provided an opportunity to validate the account. No communication or lawful documentation has been received. Equifax has failed to verify the accuracy of this tradeline or remove it after multiple dispute attempts. This violates FCRA 609 ( a ) ( 1 ) and FCRA 611, and also shows negligence in ensuring fair reporting under FCRA 607 ( b ).

5. SUMMARY AND REQUEST FOR RELIEF 6. Equifax has continued to report inaccurate and unverifiable information, violating multiple sections of the FCRA, including 607 ( b ), 609, 611, 623, and 604. These errors have caused substantial harm to my credit profile, denied me access to credit opportunities, and increased my interest rates unfairly. I have spent valuable time and effort disputing this information, only to be ignored. 
Thank you for your attention to this serious matter. I am also preserving my right to take legal action under FCRA 616 and 617 for damages resulting from willful and negligent noncompliance.

Company response to consumer: Closed with non-monetary relief