Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I am filing this complaint against Equifax for violating the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

Despite multiple disputes, my Equifax report continues to contain inaccurate, unverifiable, and non-compliant accounts and payment histories. These errors have not been properly investigated as required by law. 

The following accounts are in dispute : XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-off with improper balance reporting. 

XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inaccurate status and balance reporting. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Collection account with unverifiable balance ; XXXX day delinquency reported. 

XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Duplicate collection entry for the same debt as XXXX. 

XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Improper aging, inconsistent dates of last activity ; XXXX day delinquency reported. multiple reportings. 

XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX Inconsistent reporting and unverifiable balance. 

XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate status and unverifiable balance. 

XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Incorrect balance ; multiple late payments ( XXXX, XXXX, XXXX days ). 

XXXX XXXX XXXX  ( XXXX XXXX  ) Improper balance/status reporting. 

Encore XXXX XXXX Apartments ( XXXX XXXX  XXXX XXXX ) Unverifiable account with inaccurate details. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Inaccurate reporting of account status and dates. 

XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Improper payment history and balance reporting. 

XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverifiable and inaccurate account ; XXXX delinquencies reported. 

XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charged-off revolving account. 

XXXX ( XXXXXXXX XXXX XXXX  XXXX with unpaid balance. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Multiple late payments ( 30, 60, 90 days ) before closure.

Additionally, my report contains outdated and inaccurate personal information, including old addresses and incorrect employer listings, which I have requested to be removed but remain on file.

These actions violate : 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation.

15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to provide the method of verification.

I request that the CFPB require Experian to : Fully validate all disputed accounts ( original signed contracts, full payment histories, and chain of title for transferred debts ).

Delete any unverifiable or inaccurate information, including late payments and duplicate entries.

Remove outdated personal information ( old addresses, employers ).

Provide a written explanation of the method of verification used for each disputed item.

Company response to consumer: Closed with non-monetary relief