Consumer complaint received 2025-09-03 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: NV

Complaint narrative:
Formal Complaint Against Equifax FCRA Violations & False Statements Summary of Complaint : This is my third formal dispute against Equifax Information Services LLC regarding multiple inaccurate, contradictory, and unverifiable accounts that continue to appear on my credit file. 
Previous disputes included full supporting documentation, such as : Official FTC Identity Theft Report ( Exhibit E ) Evolve Bank Data Breach Notification ( Exhibit F ) Official Total Visa Closure Letter ( Exhibit G ) MyFICO reports showing inter-bureau inconsistencies ( Exhibit J ) Equifax official response to the CFPB with false statements ( Exhibit H ) Despite this, Equifax responded with evasive and generic updated/verified statuses, and even issued a false statement to the CFPB, constituting a serious violation of the FCRA and 18 U.S.C. 1001. 
XXXX. XXXX XXXX XXXX XXXX Account Ending in XXXX Documentary evidence : Official creditor closure letter ( XX/XX/year>, Exhibit G ) confirms the account was permanently closed after final settlement. 
Verified payment : A {$300.00} payment in XX/XX/year> brought the account to a {$0.00} balance ( see Exhibits I and J ). 
Violations : Equifax continues to report this account as charge-off with contradictory balances, statuses, and inconsistent dates across bureaus. 
This constitutes false reporting and unlawful re-aging, as Equifax manipulates last reported dates and maintains a charge-off on an account proven to be settled and closed. 
FCRA Violations : 1681e ( b ) Failure to assure maximum possible accuracy.

611 ( a ) ( 5 ) ( A ) Failure to provide proper verification before reporting.

623 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate. 
XXXX. XXXX XXXX Account XXXX in XXXX Evidence : In its CFPB response, Equifax falsely claimed this account was not present in my file. My own Equifax report ( Exhibit K ) clearly shows the account actively listed in the closed accounts section with a derogatory status. 
Violation : Equifax lied directly to the CFPB, which is not clerical error but a willful false statement to a federal agency. 
FCRA Violations : 607 ( b ) Failure to maintain reasonable procedures to assure accuracy.

623 ( a ) ( 1 ) ( A ) Furnishing false or inaccurate information.

616617 Statutory damages for negligent and willful noncompliance.

Federal Violation : 18 U.S.C. 1001 Knowingly making false statements to a federal agency.

3. False Statements & Obstruction Equifax reported contradictory data across bureaus while simultaneously providing a false response to the CFPB.

This demonstrates intentional misconduct and willful noncompliance, not a clerical oversight.

Formal FCRA 611 Request Within 30 days, Equifax must : 1-Permanently delete the disputed inaccurate accounts ( TXXXX XXXX  / XXXX and XXXX XXXX XXXX XXXX 
XXXX any future reinsertion unless proper written certification from the furnisher is provided, with notification within 5 business days.

3-Provide the full method of verification, including : 4-Name and contact of the verifier.

5-Detailed description of the verification process.

6-Copies of all documents relied upon for verification.

Legal Notice Failure to comply will result in : Additional formal complaints filed with the CFPB, FTC, and Nevada Attorney General.

Claims for statutory damages under FCRA 616 and 617.

Legal action for violations of 18 U.S.C. 1001.

Exhibits Attached Exhibit A : CFPB Dispute Letter to Equifax Exhibit B : Certified Mail Receipt Exhibit C : Drivers License Exhibit D : Social Security Exhibit E : FTC Identity Theft Report Exhibit F : XXXX XXXXXXXX  Data Breach Notice Exhibit G : Total Visa Official Closure Letter ( XX/XX/year> ) Exhibit H : Equifax CFPB Response Exhibit I : XXXX Report in Equifax Exhibit J : XXXX XXXX Report Exhibit K : Equifax Report XXXX Inconsistences

Company response to consumer: Closed with explanation