Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Formal Complaint Against Equifax for Violations of the Fair Credit Reporting Act ( FCRA ) Failure to Verify, XXXX XXXX XXXX and Refusal to Remove Inaccurate Accounts To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX  DC XXXX From : XXXX XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, FL XXXX XXXX : [ Your Number ] Email : [ Your Email ] -- - Complaint Summary : This is a formal complaint against Equifax Information Services LLC for multiple willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Equifax has failed to : 1. Properly investigate and verify disputed accounts ; 2. Remove unverifiable or inaccurate items from my credit report ; 3. Adhere to the statutory timelines ( 30 days ) for reinvestigation ; 4. Provide method of verification upon request ; 5. Cease reporting time-barred or fraudulent debts. 



These actions have harmed me financially and emotionally, damaged my creditworthiness, and violated my rights as a consumer under federal law. 


-- - Accounts in Question ( per Dispute Results dated XX/XX/XXXX ) : XXXX. XXXX XXXX XXXX Account XXXX XXXX in : * XXXX Reporting a collection for a debt that was closed with XXXX in XXXX. 

XXXX is not the original creditor, and no legal contract or validation has been provided despite repeated disputes. 

Reporting continues without proof of ownership, falsely representing the debt as current. 


XXXX. XXXX XXXX XXXX Bank Account XXXX XXXX in : * XXXX Account charged off and continuously reported with no documentation produced during reinvestigation. 

Last payment was on XX/XX/XXXX now over 180 days delinquent. 

Marked as verified but Equifax provided no actual proof or method of verification. 


XXXX. XXXX XXXX XXXX Account Number Ending in : * XXXX Debt buyer reporting a collection account that I never contracted with or authorized. 

No documentation, original agreement, or proof of liability provided. 


XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX reported as charged-off, but no original documentation or signed agreement provided. 

Verified without supporting evidence. 



-- - Legal Violations Cited : Under FCRA 1681i, Equifax was required to : Complete the reinvestigation within 30 days of receiving my dispute ; Delete or correct any unverified, inaccurate, or incomplete information ; Provide method of verification ( name of the party, contact details, proof used ) ; Notify furnishers that accounts are in dispute ( they failed to correct some account statuses ).

> They failed on all points above. As of XX/XX/XXXX, they have not removed the disputed accounts, nor have they provided any written evidence or verification. 




-- - Compensation and Relief Sought : Pursuant to 15 U.S.C. 1681n and 1681o, I am requesting the CFPB to investigate these violations and hold Equifax accountable for : {$1000.00} per violation in statutory damages ; Actual damages for emotional distress, denials of credit, and increased interest rates ; Punitive damages for willful noncompliance with the FCRA ; Attorneys fees and legal costs, should I file suit. 



-- - Attachments ( Provided to CFPB ) : Equifax Dispute Results Report ( XX/XX/XXXX ) My initial dispute letters and evidence Copies of Equifaxs verification responses ( or lack thereof ) Statement showing negative impacts to my credit -- - Relief Requested : I respectfully request that the CFPB : 1. Launch an investigation into Equifaxs credit reporting and dispute handling practices ; 2. Compel removal of all accounts listed above until verified per FCRA standards ; 3. Hold Equifax liable for statutory and punitive damages ; 4. Provide oversight or fines for failure to comply with federal law. 




Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief