Consumer complaint received 2025-08-26 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: GA

Complaint narrative:
Date : XX/XX/XXXX Summary of Complaint : I am filing this complaint against Equifax for their continued and willful violation of the Fair Credit Reporting Act ( FCRA ) regarding the account from XXXX XXXX XXXX, I ( Acct. ending in XXXX ). Despite repeated disputes and submission of evidence, Equifax continues to report this account inaccurately, preventing me from securing stable housing. 



Details of the Account : Creditor : Global Lending Services, I Account Type : Auto Loan ( Installment ) Reported Status : Involuntary Repossession / Closed Date Opened : XX/XX/XXXX Date of First Delinquency : July 20, 2023 Months Reviewed : XXXX Balance Reported : {$12000.00} Last Payment : XX/XX/XXXX Remarks : Repossession Grounds for Complaint : XXXX. Account is XXXX the XXXX XXXX XXXX The account is now 7 years and 4 months old from the date of first delinquency ( XX/XX/XXXX ). Under the FCRA 605 ( a ), this negative tradeline must be purged. Equifax continues to report it, violating federal law.

2. Failure to Conduct a Reasonable Reinvestigation Despite multiple disputes since 2022, Equifax has only updated the status to Closed but has not removed the account, even after being presented with DMV records and direct evidence of errors.

FCRA 611 ( a ) ( 1 ) ( A ) requires a full reinvestigationnot merely parroting information from the furnisher.

3. Equifaxs Internal Misreporting and Breach Equifax was compromised in the 2017 data breach, and my information was exposed. Since then, their reporting of this account has been riddled with errors, including wrong addresses and misclassified statuses. 

Equifax has been repeatedly informed of these issues but continues negligent reporting.

4. Failure to Explain Reporting Codes and Process Equifax refuses to provide a clear explanation of the codes and processes used in marking this account as Closed while still reporting repossession and a balance. This creates a misleading and inaccurate credit file.

5. Direct Harm Caused I have been denied housing due to this inaccurate reporting.

I have incurred additional costs in rent, credit monitoring, disputes, and certified mailing. 

I have experienced emotional distress and ongoing financial harm because Equifax will not follow the law. 


Requested Relief : 1. Immediate Deletion of all information related to XXXX XXXX XXXX, I from my Equifax credit report within XXXX ( XXXX ) business days. 


2. Detailed Explanation from Equifax regarding their reinvestigation process, including codes used, evidence reviewed, and reasons for only changing the account status to Closed while leaving inaccurate information. 


XXXX. Compensation for Damages I demand financial relief for the time, costs, housing denial, and emotional distress directly caused by Equifaxs negligence.

4. CFPB Enforcement Action I ask the CFPB to investigate and penalize Equifax for : Repeated failure to correct inaccurate information.

Willful noncompliance with the FCRA.

Negligent handling of disputes for over a year.

Closing Statement : Equifaxs actions are not only negligent but willful and reckless, as they continue to report demonstrably inaccurate information beyond the legal reporting period. I urge the CFPB to take immediate corrective action to protect consumers like myself and hold Equifax fully accountable. 

Respectfully submitted, XXXX XXXX

Company response to consumer: Closed with explanation