Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing this formal complaint against Equifax for reporting multiple inaccurate, outdated, and derogatory items on my credit report that are causing serious harm to my financial well-being, emotional state, and personal life. Despite my previous attempts to dispute these issues directly with Equifax, they have failed to take any meaningful corrective action. The following accounts and related entries are inaccurate and must be investigated and removed immediately. I am requesting a thorough investigation under FCRA 15 U.S.C 1681i and for Equifax to provide proper documentation or remove these unverifiable accounts. Each item below includes the specific violation and the law supporting my claim. 
XXXX XXXX Date Opened : XX/XX/XXXX | High Balance : {$1300.00} | Issue : Late Payment This account has been inaccurately reported with a late payment that is not factual. I was never 30 days late. Equifax failed to conduct a proper reinvestigation under 15 U.S.C 1681i ( a ) and violated 15 U.S.C 1681e ( b ) by reporting inaccurate information without verifying the source. 
XXXXXXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX | High Balance : {$460.00} | Issue : Late Payment I have no recollection of being late on this account. This derogatory mark is a direct violation of 15 U.S.C 1681i and 15 U.S.C 1681e ( b ). No proper documentation was provided to validate the late status. 
XXXX XXXX XXXXXXXX XXXX  Date Opened : XX/XX/XXXX | High Balance : {$670.00} | Issue : Late Payment This late payment record is erroneous. I requested proof from Equifax, which they failed to provide, violating FCRA 1681i ( a ) by not reinvestigating the dispute properly and 1681e ( b ) for not ensuring maximum possible accuracy. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX | High Balance : {$700.00} | Issue : Late Payment This is a decade-old account with a disputed late mark. Reporting this without verifying validity violates 15 U.S.C 1681c ( a ) ( 5 ), as obsolete information that adversely affects me should not remain after seven years. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX | High Balance : {$500.00} | Issue : Late Payment This late payment is unverifiable and outdated. Equifax has violated 15 U.S.C 1681c ( a ) ( 5 ) and 15 U.S.C 1681e ( b ) by keeping inaccurate derogatory data. 
XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | High Balance : {$2300.00} | Issue : Charge Off This account was listed as a charge-off without my knowledge or proper notification. No documentation was ever provided. This violates XXXX XXXX XXXX and XXXX ( b ). 
XXXX XXXX Date Opened : XX/XX/XXXX | High Balance : {$1200.00} | Issue : Charge Off This charge-off entry is inaccurate and outdated. This information should not be on my report under 15 U.S.C 1681c ( a ) ( 4 ). No response was provided by Equifax when I disputed the item. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | High Balance : {$2600.00} | Issue : Charge Off This charge-off was never disclosed to me or verified by Equifax. Reporting it without full reinvestigation violates FCRA 1681i ( a ) and 1681e ( b ). 
XXXX XXXX XXXX * Date Opened : XX/XX/XXXX | High Balance : {$42000.00} | Issue : Late Payment The reported late payments are inconsistent with my records. Equifax failed to verify or update this after dispute, violating FCRA 1681s-2 ( b ). 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX | High Balance : {$59000.00} | Issue : Late Payment Recently reported late payment is untrue and never notified to me. Equifax did not validate this information, violating FCRA 1681e ( b ). 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX | High Balance : {$1400.00} | Issue : Collection This collection account is not mine. I never had any debt with this company. Equifax failed to investigate this under FCRA XXXX and should remove it immediately for being unverifiable and reported without my consent. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | High Balance : {$920.00} | Issue : Late Payment This late payment is falsely reported. Equifax has refused to provide full validation or correct the record, violating 15 U.S.C 1681s-2 and 1681e ( b ). 
INACCURATE ADDRESSES REPORTED ON MY EQUIFAX CREDIT REPORT Equifax is reporting several addresses that are not mine and are damaging my credit profile. These addresses include locations I have never lived in, resulting in fraud alerts and incorrect association with unknown accounts. This violates FCRA 1681e ( b ) for not ensuring accuracy and 1681c-2 for failure to block information resulting from identity theft or mistaken identity.

PERSONAL STATEMENT I have faced severe consequences due to Equifaxs gross negligence in reporting and verifying false, inaccurate, and outdated information. This includes denial of credit, emotional distress, and irreparable harm to my personal and professional life. I have submitted disputes to Equifax, but no meaningful action has been taken. I am now turning to the CFPB for enforcement and resolution. I request immediate deletion of the disputed information, a full investigation, and appropriate penalties against Equifax for their willful noncompliance and failure to uphold consumer protection laws.

Company response to consumer: Closed with non-monetary relief