Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Dear CFPB Officer I am filing this complaint against Equifax Information Services LLC for violating my consumer rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 compliance standards. I previously disputed multiple accounts, inquiries, and reporting errors with Equifax. However, they have failed to conduct a lawful reinvestigation and continue to report unverified, inaccurate, and misleading information on my credit file. This has negatively affected my creditworthiness and caused financial harm XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  Balance : {$320.00} Status : Charge Off This account was never validated. No contract or agreement was provided. Reporting without documentation violates FCRA 623 ( a ) ( 5 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$500.00} Status : Charge Off Previously disputed and Equifax failed to provide validation or reinvestigation results. Reporting unverifiable data violates FCRA 611 and 607 ( b ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$0.00} Status : Late Payment This account is closed with a XXXX-dollar balance. Continuing to report late payments is misleading and violates Metro 2 and FCRA 607 ( b ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$150.00} Status : Late Payment I never received delinquency notice or validation. This violates FCRA 623 ( a ) ( 7 ). The account is unverified and must be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$3900.00} Status : Charge Off No itemized breakdown or contract has been provided. Continued reporting without validation violates FCRA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$10000.00} Status : Collection Unknown account. I never received a validation notice. Reporting without debt verification violates FDCPA 809 and FCRA 611 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$110.00} Status : Charge Off No relationship with this company, no documentation, no proof. Reporting without validation violates FCRA 611 and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$3300.00} Status : Collection I was never contacted or notified about this debt. No FDCPA validation was provided. This item is unverifiable and violates FDCPA 809 ( b ) XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1500.00} Status : Collection No record, no communication, no validation received. This account must be removed under FCRA 611 XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$310.00} Status : Collection I do not recognize this account and have never received documentation. Reporting this is inaccurate and unlawful XXXX Inquiry XX/XX/XXXXXXXX  I did not authorize this hard inquiry. It was made without permissible purpose. This violates FCRA 604 ( a ). It must be removed XXXX XXXX XX/XX/XXXX I never applied with this company. Unauthorized inquiry without consent is a violation of FCRA 604 and 607 Relief Requested I request that CFPB initiate an investigation into Equifaxs failure to perform lawful reinvestigations and their continued reporting of inaccurate and unverifiable information. I ask that Equifax be required to Remove the unverified accounts listed above Delete all unauthorized hard inquiries Provide a complete response with reinvestigation results and a corrected report Be held accountable for their violations of FCRA 604, 607, 611, 623 and FDCPA 809 I have attached my prior dispute letter and supporting documentation. Equifaxs actions are in direct violation of my rights and require urgent review by your office.

Company response to consumer: Closed with non-monetary relief