Consumer complaint received 2025-10-28 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: CA

Complaint narrative:
I am filing this complaint against Equifax Information Services LLC for reporting multiple inaccurate and unverified items on my credit report, and for failing to ensure the maximum possible accuracy of my consumer information as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

After reviewing my Equifax credit report, I discovered several serious inaccuracies that have negatively impacted my creditworthiness and overall financial reputation. Equifax is currently reporting multiple XXXXDOFED accounts with false late payment histories. The accounts in question include Account # XXXXXXXX XXXX XXXX, opened on XX/XX/XXXX, with a reported high balance of {$940.00} ; Account # XXXXXXXX XXXX XXXX, opened on XX/XX/XXXX, with a reported high balance of {$3000.00} ; and Account # XXXXXXXX XXXX XXXX, opened on XX/XX/XXXX, with a reported high balance of {$2300.00}. These accounts are inaccurately showing late payments that never occurred. I have always made my payments on time, and the reporting of delinquencies by Equifax is completely false and misleading. 

In addition, Equifax is reporting a XXXX XXXX account ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) opened on XX/XX/XXXX, showing a balance of {$5400.00}, and listed as a charge-off. I have no knowledge of this account and have never authorized or entered into any agreement with XXXX XXXX. This tradeline is unverified, and despite prior disputes, Equifax has failed to provide documentation proving the validity or ownership of this account.

I submitted a formal dispute directly to Equifax identifying these inaccuracies and requested a reinvestigation pursuant to FCRA 1681i. Despite the 30-day requirement, Equifax failed to properly verify the disputed information and continues to report these false and unverified accounts. Their ongoing failure to correct these errors demonstrates noncompliance with the Fair Credit Reporting Act and neglect of their duty to maintain accurate consumer data.

These inaccuracies have caused substantial harm to my credit profile, resulting in reduced credit scores and denial of financial opportunities. Equifaxs negligence in maintaining accurate information and in conducting a lawful reinvestigation under the FCRA has caused me measurable financial and emotional distress.

I am requesting that the Consumer Financial Protection Bureau investigate Equifaxs handling of my disputes and take the following corrective actions : Compel Equifax to conduct a proper reinvestigation of all disputed accounts.

Require Equifax to provide documented proof verifying my authorization and liability for each account. Order Equifax to immediately delete or correct all inaccurate, unverifiable, or unauthorized information.

Ensure Equifax provides me with a written confirmation and an updated copy of my credit report showing all corrections and deletions.

Equifaxs continued failure to uphold the accuracy, fairness, and integrity of my credit report violates my rights under the Fair Credit Reporting Act. I am seeking CFPB intervention to ensure full compliance and to restore the accuracy of my credit history.

Company response to consumer: Closed with non-monetary relief