Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
[ XXXX XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX, NY, XXXX ] [ XX/XX/XXXX ] [ XXXX ] [ XX/XX/XXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX VIA CFPB ONLINE PORTAL OR CERTIFIED MAIL RE : FORMAL COMPLAINT AGAINST EQUIFAX INC.

Violations of the FCRA, UCC, and Consumer Protection Laws Consumer : [ XXXX XXXX XXXX XXXX ] Date of Birth : [ XX/XX/XXXX ] SSN : [ XXXX ] To the Consumer Financial Protection Bureau ( CFPB ), I am filing a formal complaint against Equifax Inc. ( " Equifax '' ) for their persistent and willful failure to maintain accurate credit information as required by federal law, and for their failure to conduct a proper reinvestigation after I disputed these errors directly with them.

Despite my good-faith efforts to " reconcile '' and correct these inaccuracies directly with Equifax, they have continued to publish and disseminate profoundly incorrect, obsolete, and inaccurate information about me to credit lenders and other authorized parties. This egregious misconduct is causing me significant, tangible harm, including : The wrongful denial of credit and loan applications.

Loss of financial opportunities and the ability to secure housing.

Being offered credit at unfairly high interest rates.

Severe emotional distress, constant anxiety, and financial strain, which is an extreme drain on my personal and professional life. Summary of Attempts to Resolve with Equifax
: On or about [ Insert Date ( s ) of your previous dispute ( s ) ], I disputed the inaccurate information with Equifax directly via [ Specify Method : online, phone, certified mail, etc. ]. Their response was either non-existent, inadequate, or failed to address the specific legal and factual bases of my disputes. They have demonstrated a systemic failure to follow reasonable procedures, as mandated by law. 

List of Specific Inaccurate Information Blocks on Equifax Report : The following items on my Equifax credit report are inaccurate, unverifiable, or obsolete. I have previously disputed these, yet they remain uncorrected.

1. Creditor Name : [ N/A ] Account Number : [ N/A ] Nature of Inaccuracy : The account status is reported as [ Charged-Off/Delinquent ]. This is incorrect because [ N : A ], or this is not my account, or the date of first delinquency is wrong, making the account obsolete. ] Required Action : Immediate deletion of this account from my credit file.

2. Creditor Name : [ N/A ] Account Number : [ N/A ] Nature of Inaccuracy : The payment history inaccurately shows late payments for [ N/A ]. The accurate history is [ Explain the true situation ]. 
Required Action : Correction of the payment history to reflect 100 % on-time payments, or as accurate. 
XXXX. Creditor Name : [ N/A ] Account Number : [ N/A ] Nature of Inaccuracy : The balance is reported as [ N/A ], but the correct balance is [ N/A ]. 
Required Action : Update the balance to the accurate, current amount. 


Legal Violations by Equifax : Equifax 's conduct violates numerous federal consumer protection laws and my civil rights : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. : 1681e ( b ) : Failure to follow " reasonable procedures to assure maximum possible accuracy '' of my credit information.

1681i : Failure to conduct a proper, reasonable reinvestigation of my disputed items within the statutory 30-day period. Their reinvestigation process appears to be automated and designed to rubber-stamp the furnisher 's information without a meaningful legal or factual review, making it a " sham '' process.

1681c : Reporting of obsolete information beyond the 7-year ( or 10-year for XXXX  XXXX bankruptcy ) reporting period. 
Uniform Commercial Code ( UCC ) Implications : The inaccuracies violate the fundamental principles of good faith, diligence, and commercial reasonableness embedded in the UCC, which governs commercial transactions. Equifax is negligently misrepresenting my financial history, interfering with my ability to engage in commerce.

United States Code ( USC ) - Civil Rights & Consumer Protection : The ongoing harm and negligence infringe upon my right to be free from defamation and business negligence. The stress and financial harm are a direct result of their failure to maintain accurate records, contravening the spirit of consumer protection laws enacted by Congress.

House Joint Resolutions ( HJR ) & Legislative Intent : The intent of Congress in enacting the FCRA and other consumer laws, as reflected in various House and Senate Joint Resolutions, was to protect citizens from precisely this type of unfair, abusive, and deceptive reporting practices that destroy financial reputations.

Request for Relief : I respectfully request that the CFPB : 1. Immediately investigate Equifax 's non-compliance with the FCRA and other consumer laws.

2. Order Equifax to permanently delete all inaccurate, unverified, and obsolete information from my credit file.

3. Order Equifax to provide me with a free, updated credit report confirming all deletions and corrections.

4. Order Equifax to send notifications of these corrections to all entities that have received my erroneous report within the past six months ( or two years for employment purposes ).

5. Hold Equifax accountable for its willful and negligent non-compliance, including the imposition of appropriate fines and penalties.

6. Ensure that Equifax updates its procedures to prevent this systemic failure from harming other consumers.

Enclosures : I have attached the following documents to support my complaint : Copy of my Equifax credit report with inaccuracies highlighted.

Copies of my previous dispute letters to Equifax and any response I received.

Proof of my identity and address.

[ Any other supporting documents, e.g., payment proofs, statements ].

The continuous errors and Equifax 's refusal to correct them after direct dispute have left me with no recourse but to seek the intervention of this Bureau. I am prepared to pursue all available legal avenues, including a private lawsuit for damages, should this matter not be resolved promptly and justly. 

Thank you for your attention to this serious matter. 

Respectfully, ( XXXX XXXX XXXX XXXX ) [ XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation