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: TX

Complaint narrative:
This is my formal complaint against Equifax for multiple and repeated violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and related federal laws. I have attempted to resolve these issues with Equifax directly, but they have failed to conduct reasonable investigations and continue to report inaccurate, incomplete, and outdated information on my credit file. These errors are materially damaging my creditworthiness, and I am requesting CFPB to intervene. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1000.00} Status : Late Payment Issue : This account is reporting inaccurate late payments that I do not recognize. I was never late on this account, and no supporting documentation has been provided to validate these claims. This is a direct violation of 15 U.S.C. 1681i ( failure to conduct a reasonable reinvestigation ) and 15 U.S.C. 1681s-2 ( duty of furnishers to report accurate information ). I formally disputed this account with Equifax, yet they verified it without providing any proof or conducting a proper investigation. This continued reporting is malicious and negligent. I have been financially and emotionally impacted due to this account, including denial of credit, higher interest rates, and emotional distress. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX High Balance : {$1000.00} Status : Late Payment Issue : This account shows erroneous late payments, which I dispute in full. XXXX has failed to provide accurate validation for the alleged delinquency. Equifax, by continuing to report this account without a thorough investigation, is violating 15 U.S.C. 1681e ( b ) ( duty to maintain accuracy ) and 15 U.S.C. 1681i ( a ). This false reporting is damaging my student loan profile and affecting future lending decisions. I request full deletion or full verification supported by valid documentation as required under federal law. 
XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$2900.00} Status : Late Payment Issue : This account also reports false late payments. These derogatory marks are outdated and were already resolved with the original servicer. Equifaxs failure to remove or accurately update this account after proper dispute is a violation of 15 U.S.C. 1681c ( removal of outdated information ) and 15 U.S.C. 1681i ( a ). The continued reporting is unjustified, harmful, and discriminatory. I am unable to qualify for housing, car loans, or personal credit because of this false derogatory tradeline. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$13000.00} Status : Late Payment Issue : This tradeline includes incorrect late payment entries which I never agreed to or received proper billing for. I was not notified prior to derogatory reporting. This violates my right under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681s-2 ( b ). Equifax refused to remove or verify the account with proper documentation, failing to follow their legal responsibility. This account is severely damaging my credit history and financial standing. 
Failure to Investigate and Verify : Equifax repeatedly fails to perform reasonable investigations within the 30-day period required by 15 U.S.C. 1681i. I submitted documented disputes with evidence, yet the accounts remain unchanged or " verified '' without any disclosure of the method or source of verification. This is a breach of my consumer rights and violates the transparency and procedural protections guaranteed under FCRA. 
Harm and Damages : Because of these continued inaccuracies, I have been denied credit, subject to unfavorable interest rates, and emotionally distressed. I believe this behavior to be willful, negligent, and in violation of federal laws. I am requesting a full investigation by the CFPB, an order to Equifax to delete or correct the errors mentioned above, and civil penalties for Equifaxs failure to uphold my rights.

I am requesting the CFPB to take enforcement action against Equifax, compel them to correct or delete these accounts, investigate their dispute handling procedures, and ensure compliance with the FCRA and FDCPA moving forward.

Company response to consumer: Closed with non-monetary relief