Consumer complaint received 2025-02-28 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: GA

Complaint narrative:
I am filing this formal complaint against Equifax for failing to properly investigate and correct inaccurate, misleading, and unverifiable information on my credit report. 

I originally disputed these inaccuracies with cfpb, complaint XXXX, but Equifax did not resolve the issue adequately. Instead, they made superficial updates without properly validating the data with Metro 2 compliance standards or providing documentation proving the legitimacy of the derogatory marks.

Also, Equifaxs failure to conduct a reasonable reinvestigation violates my rights under FCRA 1681s-2 ( b ), FCRA 1681i ( a ), and the CFPBs newly enacted 2025 medical debt reporting rules.

Specific Issues with Equifaxs Response 1. XXXX XXXX XXXX ( Account Ending in XXXX Closed ) Equifax states that they updated certain details, but they failed to correct historical late payments to reflect on-time payments as I requested. 

Metro 2 guidelines prohibit charge-offs from reporting active balances unless collected, which Equifax ignored .

FCRA 1681s-2 ( b ) requires furnishers to verify data accuracy, yet Equifax relied on unverifiable data. 
I demand either a full update to " Paid as Agreed '' or removal of this account if Equifax can not validate each reported late payment. 

XXXX. XXXX XXXX, XXXX ( Account Ending in XXXX Closed ) Equifax continues to report excessive late payments on this closed charge-off, artificially extending the derogatory period. 

If full verification ( e.g., payment records ) can not confirm these derogatory marks, FCRA mandates deletion. 
If evidence supports correction, payment history must be changed to " On-Time. '' Equifaxs refusal to update this account properly violates FCRA 1681i ( a ).

3. XXXX XXXX ( Account Ending in XXXX Closed ) Equifax made vague modifications but did not clarify whether past derogatory marks were verified or corrected. 

FCRA 1681i ( a ) ( 1 ) mandates a detailed reinvestigation, including payment confirmations to justify reported latesor deletion if unsubstantiated. 
I demand full documentation or complete removal of this account. 

XXXX. XXXX XXXX XXXX XXXX ( Collection Medical Debt, Account Ending in XXXX ) Equifax failed to validate this collection debt under the CFPBs XX/XX/year> final rule ( effective XX/XX/year> ), banning medical debt from credit reports. 

Without an itemized bill, proof of debt ownership, and evidence from the furnisher, this account must be removed immediately. 
Equifaxs continued reporting of this collection is in direct violation of Regulation V amendments and CFPB-2025-0003.

Equifaxs Violations Failure to conduct a reasonable reinvestigation ( 1681i ( a ) ) Equifax relied on furnisher responses without independently verifying documentation or ensuring compliance with Metro 2 standards.

Failure to ensure maximum possible accuracy ( 1681e ( b ) ) Equifax ignored errors in charge-off balances and continued reporting unverifiable derogatory marks. 
Violation of CFPB 2025 medical debt reporting rules XXXX XXXX like XXXX XXXX must be removed unless properly substantiated, which Equifax failed to do. 
Requested Resolution I am requesting that the CFPB take regulatory action against Equifax for failing to conduct a legally compliant reinvestigation. 

I demand : Full correction of XXXX, XXXX, and XXXX Bank payment histories to reflect on-time payments where evidence supports it. 
Deletion of unverifiable accounts ( XXXX XXXX XXXX XXXXXXXX XXXX ) if full validation is not provided. 
Enforcement of FCRA and Metro 2 compliance, requiring Equifax to independently verify data rather than rubber-stamping furnisher responses. 

If Equifax fails to comply, I will escalate this complaint by : Filing a complaint with the Federal Trade Commission ( FTC ). 
Filing a complaint with the Georgia Attorney General for deceptive credit reporting practices. 
Exploring legal action under the FCRAs private right of action for damages due to continued inaccuracies. 
The CFPBs XX/XX/year> enforcement action against Equifax ( {$15.00} XXXX penalty ) confirms that these systemic failures continue, and my complaint is direct evidence of their ongoing noncompliance. 

I expect a full resolutionnot partial updates or unsupported claims of verification. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief