Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally file a complaint against Equifax regarding the inaccurate reporting on my credit report. I believe that Equifax has been negligent and willfully noncompliant with several federal laws governing the accuracy and integrity of consumer credit information. 

Equifax is reporting an account from XXXX XXXX SC that I have disputed on multiple occasions. I initially disputed this account online on XX/XX/XXXX, and followed up via certified mail on XX/XX/XXXX. Despite these efforts, Equifax has failed to provide any evidence of a permissible purpose for including this account on my credit report, or any debt validation letter, disclosure agreements, or other documentation that verifies the accuracy of this account. Instead, Equifax has updated the account status as verified on XXXX separate occasions without offering the legally required supporting documentation. 

Furthermore, I have confirmed that this same account has been removed from my XXXX credit report, which strongly indicates that its continued presence on my Equifax file is inaccurate and improperly maintained. 

Violation of XXXX Laws XXXX actions appear to be in clear violation of multiple federal statutes, including but not limited to : 15 U.S.C. 1681a ( 3 ) and 1681i ( Fair Credit Reporting Act FCRA ) : These sections require that all consumer credit information be accurate and that any disputed information be properly reinvestigated with documentation provided to support its validity. 
15 U.S.C. 1692g ( Fair Debt Collection Practices Act FDCPA ) : This statute mandates that upon request, a debt collector must provide a debt validation notice, which Equifax has not facilitated in this matter. 
15 U.S.C. 1681s-2 ( FCRA ) : This section places the responsibility on data furnishers to ensure that only accurate and verifiable information is reported. 
XXXX XXXX ( XXXX ) : XXXX failure to disclose XXXX validation documents and evidence of permissible purpose also violates the transparency and consumer protection provisions mandated by XXXX. 

Negligence and Willful Noncompliance The failure of Equifax to conduct a proper and transparent investigation into my dispute, as well as their decision to verify the account twice without any documentation, is not only negligent but also suggests willful noncompliance with federal laws designed to protect consumers from inaccurate reporting. This conduct severely impacts my creditworthiness and undermines my legal rights to challenge and verify the accuracy of my credit information. 

Request for CFPB XXXX I respectfully request that the Consumer Financial Protection Bureau investigate Equifaxs practices in this matter. I believe that their actions demonstrate a pattern of negligence and willful noncompliance with the FCRA, FDCPA, and XXXX. I am seeking appropriate remedies that include, at minimum, the immediate removal and blocking of the inaccurate XXXX XXXX SC account from my Equifax credit report. 

Thank you for your attention to this matter. I am prepared to provide any additional documentation or clarification necessary to assist with your investigation. I look forward to your response and prompt resolution of this complaint. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation