Consumer complaint received 2025-07-24 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: SC

Complaint narrative:
Dear Equifax Dispute Department, I am writing this formal complaint letter to dispute multiple inaccurate and legally non-compliant entries appearing on my Equifax credit report. As a consumer protected under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to accurate, complete, and verifiable information on my credit profile. 

These inaccurate items are negatively impacting my creditworthiness, and I demand an immediate and thorough reinvestigation in compliance with 15 U.S. Code 1681i. Please find detailed information below for each disputed item along with legal grounds and explanation. 

XXXX BANK XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$2600.00} Status : Late Payment Issue : Reporting late payment without validating the accuracy. 
Law : FCRA 1681i & 1681s-2 Story : I formally dispute this late payment entry. The creditor failed to provide me proper written notice of delinquency, and there is no verifiable record that the reporting is accurate. As per 15 U.S. Code 1681i, the bureau must reinvestigate any disputed information and remove unverifiable or outdated data. Additionally, under FCRA 1681s-2 ( b ), data furnishers must conduct a reasonable investigation. The continued reporting without verifiable backup is a violation of my consumer rights. 

XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX High Balance : {$550.00} Status : Charge Off Issue : Reporting charged-off account without accurate documentation or consumer notification. 
Law : FCRA 1681c ( a ) ( 4 ) & 1681i Story : This charge-off appears outdated and lacks documentation. As per FCRA 1681c, charge-offs can not be reported longer than XXXX years. Additionally, FCRA 1681i requires the bureau to delete or correct any inaccurate or unverifiable information within 30 days of receiving a dispute. This account has never been validated, and I request its immediate deletion. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$5500.00} Status : Late Payment Issue : Late payments are being reported without notification or consumer validation. 
Law : FCRA 1681s-2 & FDCPA 807 Story : I did not receive a notice regarding any delinquency for this account, and I was never given the opportunity to cure the default. The late payments reported are unsubstantiated and have not been verified. I request that Equifax remove this information unless verifiable proof is provided. 

XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$37000.00} Status : Late Payment Issue : Reporting delinquency without giving me the legal opportunity to dispute or resolve. 
Law : FCRA 1681i & 1681e ( b ) Story : This accounts reported delinquency is misleading and harms my credit standing. As a consumer, I have the right to accurate and up-to-date information. FCRA 1681e ( b ) mandates consumer reporting agencies to ensure maximum possible accuracy. This reporting fails that standard. I request deletion unless XXXX XXXX can provide documented evidence showing timely and correct notification of delinquency. 

XXXX XXXX * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$55000.00} Status : Late Payment Issue : Late payment information not verified or substantiated with billing statements or evidence. 
Law : FCRA 1681s-2 & 1681i Story : I dispute the reporting of any late payments related to this account. I never received notice or billing documents showing missed payments. This constitutes a violation of my rights under the FCRA, and Equifax is required to either correct or remove this item if it can not be verified within the legal timeframe. 

XXXX XXXX  XXXX Date : XX/XX/XXXX Issue : Unverified hard inquiry affecting my credit score. 
Law : FCRA 1681b Story : I did not authorize this inquiry. Under FCRA 1681b, credit inquiries must be permissible and authorized by the consumer. If there is no written proof that I gave permission, this inquiry must be removed immediately. 

XXXX XXXX Date : XX/XX/XXXX Issue : Unauthorized inquiry on my credit file. 
Law : FCRA 1681b Story : I dispute this hard inquiry as it was never authorized by me. The FCRA mandates that inquiries must be permitted by the consumer and have a valid purpose. Please provide documented authorization or remove this inquiry immediately. 

I am requesting that these items be investigated and removed or corrected based on the above violations. If Equifax fails to comply with this request within the XXXX statutory time frame, I will be forced to escalate the matter further, including filing a formal complaint with the Consumer Financial Protection Bureau XXXX CFPB ) and considering legal action. 

As part of this dispute, I have enclosed a copy of my ID and proof of address for identity verification purposes.

Company response to consumer: Closed with non-monetary relief