Consumer complaint received 2025-11-01 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: MD

Complaint narrative:
FORMAL CFPB COMPLAINT FAILURE TO CORRECT CHARGE-OFFS AND COLLECTIONS Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, MD XXXX Date of Birth : XXXX Report Reference # : XXXX Report Date : XX/XX/XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX CFPB ) XXXX  XXXX XXXX Washington XXXX DC XXXX Subject : XXXX XXXX XXXX Credit Bureaus Failure to Correct Charge-Offs and Collections Dear CFPB Representative, I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) against the XXXX major credit reporting agencies TransUnion, Experian, and Equifax for failing to correct or remove inaccurate and unverifiable charge-off and collection accounts from my credit file. Despite multiple written disputes submitted under XXXX U.S.C. XXXX ( a ) and XXXX, these bureaus have not provided verifiable documentation or removed the disputed accounts within the XXXX investigation period required by law. 


Summary of Disputed Accounts : - XXXX XXXX Reported as Charged off as bad debt / Profit & Loss Write-off - XXXX Bank XXXX XXXX XXXX still reporting negative - XXXX  XXXX  / XXXX XXXX XXXX XXXX settled for less than full balance - CitiCards XXXX Paid charge-off still listed as derogatory - Military Star Listed as collection account / placed for collection - Upgrade XXXX Charged off with duplicate or transferred entries - Service Federal Credit Union Marked 90 days late and closed though paid These accounts continue to appear as charge-offs or collections even after being paid, settled, or closed in good standing. This ongoing reporting violates FCRA XXXX ( a ), which mandates that furnishers of credit information report data accurately and completely. Additionally, under XXXX ( b ), furnishers are required to conduct a reasonable investigation upon notice of a dispute and correct or delete any inaccurate information. 

Under XXXX ( a ) ( XXXX ), accounts that have been charged off or placed for collection for more than XXXX years are considered obsolete and should not be reported. The failure of the credit bureaus to remove or correct these items constitutes noncompliance with federal law. 


Requested Action by CFPB : XXXX. Investigate TransUnion, Experian, and Equifax for failure to comply with FCRA XXXX and XXXX ( b ). 
XXXX. Require deletion of all unverifiable or obsolete charge-offs and collection accounts from my credit report. 
XXXX. Enforce correction of any paid or settled accounts to reflect Paid in Full, Settled, or Closed in Good Standing.

4. Provide a written resolution and summary of findings to me upon completion of the investigation. 



I am requesting the XXXX direct intervention to ensure compliance with federal credit reporting regulations. 

Thank you for your time and assistance. I look forward to receiving confirmation of your receipt and the results of your investigation. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief