Consumer complaint received 2025-06-24 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: GA

Complaint narrative:
I am filing this complaint against Equifax for violating my rights under the Fair Credit Reporting Act ( FCRA ) by failing to properly investigate and remove inaccurate and unverifiable negative items from my credit report. I have submitted multiple disputes, including this being my 5th round of disputes, yet Equifax has failed to delete or verify any of the negative accounts or unauthorized inquiries listed below. 

This ongoing negligence is harming my creditworthiness and financial opportunities. Equifax is not acting in good faith, nor in compliance with federal law. 

Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Reports multiple late payments. I requested verification multiple times but never received supporting documentation.

Violation : FCRA 607 ( b ) Inaccurate reporting ; FCRA 611 Failure to reinvestigate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Charged-off account with no proof of validation provided. 

Violation : FCRA 611 and 609 ( a ) ( 1 ) No evidence of ownership or account details given. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Disputed due to lack of familiarity and documentation. Equifax has not responded with any verification. 

Violation : FCRA 607 ( b ) Reporting unverifiable data. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Inconsistent data reported. No documentation provided after disputes. 

Violation : FCRA 602 ( A ) Misleading credit reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : I have disputed this account several times but never received proof of responsibility or a signed contract. 

Violation : FCRA 609 No validation documents. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Unknown account. I never received any correspondence from XXXX XXXX XXXX 

Violation : FCRA 609 No proof of account ownership. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Charged-off account remains after multiple unresponded disputes. 

Violation : FCRA 611 Failure to reinvestigate as required. 

Unauthorized Hard Inquiries : The following hard inquiries were made without my knowledge or permission : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These inquiries were not initiated by me, nor did I give permission for my credit to be accessed on these dates. 

Violation : FCRA 604 ( a ) ( 3 ) No permissible purpose or written consent to pull my report.

Summary of the Complaint : Equifax has failed to meet its obligations by : Continuing to report disputed, unverifiable accounts. 

Failing to provide investigation results or documentation. 

Allowing unauthorized third parties to access my credit file. 

Ignoring multiple rounds of disputes and requests for reinvestigation. 

This behavior is not only noncompliant but also harmful to my credit profile.

Resolution Requested : Remove all disputed accounts listed above.

Delete all unauthorized hard inquiries. 

Provide full documentation of all reinvestigation efforts and account validation. 

Ensure future compliance with the FCRA to prevent continued harm. 

If no resolution is made, I will escalate to the Federal Trade Commission ( FTC ) and my State Attorney General for further legal remedy.

Company response to consumer: Closed with non-monetary relief