Consumer complaint received 2025-07-08 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:
I am filing this formal complaint against Equifax for continuously reporting inaccurate, incomplete, and unverified information on my credit report despite my previous disputes. This is my second time disputing the same issues, yet Equifax has failed to properly investigate or remove the erroneous items. I am currently suffering real financial and emotional harm due to these reporting errors. I have not yet submitted an FTC complaint but I will if this continues unresolved. Below are the details of the problematic accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Charge Off Issue : This account is inaccurately listed as a charge-off without proper verification. I was never provided any default notice, billing history, or final accounting before this account was reported as charged off. According to 15 U.S. Code 1692g ( a ), debt must be validated in writing before being reported. No such validation was provided. I also did not receive the original contract or documents proving the charge-off. Equifax continues to report this account without any proof of ownership or chain of custody, which is a direct violation of 15 U.S. Code 1681i. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Charge Off Issue : This auto loan is showing as a charge-off with a balance of {$21000.00}, which is inaccurate. I was not served a proper notice of repossession or calculation of deficiency balance. This violates 15 U.S. Code 1692f ( 1 ), as the amount claimed appears inflated or unauthorized. I was not provided any breakdown or documentation to support this amount. Equifax has failed to investigate this matter despite my first dispute, and continues to damage my credit file with this unverifiable item. I also never received a valid adverse action notice under the Equal Credit Opportunity Act. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Late Payment Issue : This account is reporting late payments that I strongly dispute. I had auto-pay enabled and made partial payments that should have prevented a full 30-day delinquency. I was never properly notified before the late payment was reported. This reporting is in violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting inaccurate or incomplete information. I have not been provided proper proof or payment history to justify these late marks. This negatively affects my payment history and is being ignored by Equifax. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Collection Issue : This is a fraudulent and unverified collection account. I never received a debt validation notice from XXXX as required under 15 U.S. Code 1692g. I do not recognize this debt and Equifax is reporting it without any verification. I also believe this item is being illegally re-aged, which is against FCRA guidelines. I have never been contacted or provided any original documentation showing the original creditor, last payment date, or itemization. This collection is false and highly damaging to my file.

Personal Impact : These accounts are directly affecting my ability to get approved for housing, credit cards, and other essential financial services. My credit report is being inaccurately reported, and Equifax is failing to take the legal steps required under FCRA 15 U.S. Code 1681i ( a ) to conduct a reasonable investigation. This is causing me emotional stress, hardship, and financial exclusion. My previous dispute was ignored or responded to without real reinvestigation. I believe Equifax is willfully
noncompliant under 15 U.S. Code 1681n and negligent under 15 U.S. Code 1681o.

Requested Action : I am requesting CFPB 's immediate assistance in compelling Equifax to : Remove or correct all the above accounts unless full verification is provided from original creditors Provide me with documented proof of verification for each account Ensure Equifax conducts a lawful reinvestigation under the FCRA within 30 days Hold Equifax accountable for failure to uphold
consumer rights and compliance I am attaching a copy of my ID and proof of address, and I am keeping detailed records of all communications. Please take swift action to ensure my rights are protected and these accounts are either validated or removed immediately.

Company response to consumer: Closed with non-monetary relief