Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : FCRA Violations by XXXX XXXX  and XXXX XXXX XXXX XXXX Equifax, XXXX XXXX XXXX  Issue : Incorrect information on credit report ; investigation did not resolve dispute XXXX XXXX XXXX filed disputes through XXXX and I have filed both disputes and CFPB complaint on XX/XX/XXXX. The account errors remain. XXXX and the bureaus do not show the account as disputed when these are. As I have been back and forth with this furnisher for over XXXX  years and the credit report has not been corrected injuring my credit artificially. 
Complaint Summary I am filing this complaint against XXXX XXXX  and the national credit reporting agencies ( Equifax, XXXX XXXX XXXX ) for their continued failure to correct or delete inaccurate and unverifiable information from my credit reports, in violation of the Fair Credit Reporting Act ( FCRA ). 

Since XX/XX/XXXX, I and my former legal representative, XXXX XXXX XXXX, have submitted multiple formal disputes regarding this account. Despite these efforts, the tradeline remains unchanged. In XX/XX/XXXX, I was advised by phone that XXXX XXXX XXXX had issued a deletion demand letter in XX/XX/XXXX to XXXX XXXX  and the credit bureaus. As of today, the account is still being reported with multiple unresolved FCRA violations. 

Account Details - XXXX XXXX  : XXXXXXXX XXXX Balance : {$3200.00} Credit Limit : {$2500.00} Account Closed : XX/XX/XXXX Last Payment : XX/XX/XXXX Status : Charge-Off Utilization : XXXX  % Reporting Pattern : Monthly Charge-Off notations through XX/XX/XXXX Violations Identified FCRA 623 ( a ) ( 5 ) : XXXX XXXX appears to have re-aged the account by continuing to report monthly charge-offs long after closure, distorting the Date of First Delinquency and unlawfully extending the reporting period. 

FCRA 1681e ( b ) : The tradeline reflects a static balance and over-limit utilization for nearly XXXX years post-closure, which is materially misleading and inaccurate. 

FCRA 1681s-2 ( b ) : Despite being notified of my disputes by the credit bureaus, XXXX failed to conduct a reasonable reinvestigation or correct the tradeline. 

FCRA 1681i ( a ) ( 5 ) : The credit bureaus failed to delete or modify the tradeline after receiving no verification from the furnisher, even after a formal deletion demand. 

FCRA 623 ( a ) ( 3 ) : The tradeline is not marked as disputed despite my ongoing written disputes and regulatory complaints. 

FCRA 1681i ( c ) : No reinvestigation results have been provided to me, despite multiple disputes and a deletion demand letter issued by my legal representative. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Credit bureau held liable for failing to correct inaccurate data after dispute. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  judgment for failure to resolve tradeline errors after repeated disputes. 

CFPB & FTC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Clarified that furnishers must instruct credit bureaus to delete information that can not be verifiedthey may not continue reporting unverifiable data.

FCRA 1681n & 1681o : Provide for civil liability when a credit bureau or furnisher willfully or negligently fails to comply with FCRA obligations, including statutory damages, actual damages, and attorneys fees.

Harm Suffered My credit score has been artificially suppressed for over XXXX  months I have been denied access to credit, housing, and financial services. I had to turn in my lease and was injured on the monthly payment due to this re-aging. 

I have had to defend myself in legal proceedings triggered by unvalidated debts I have experienced emotional distress and reputational harm

Company response to consumer: Closed with explanation