Consumer complaint received 2025-12-09 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: PA

Complaint narrative:
I am submitting this complaint against Equifax Information Services, LLC ( Equifax ) for violating multiple provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) by failing to conduct a lawful and reasonable reinvestigation of inaccurate and disputed information appearing on my consumer credit report. 
I timely submitted a written dispute to Equifax regarding inaccurate, incomplete, and/or misleading account information being reported on my consumer credit file. My dispute clearly identified the accounts in question and explained why the information was inaccurate and unverified. 
Despite receiving proper notice of my dispute, Equifax failed to conduct a reasonable reinvestigation as required by federal law. Instead, Equifax : Merely verified the disputed information by relying on automated procedures without independently reviewing the accuracy of the data Failed to obtain or review competent evidence validating the disputed accounts Continued to report inaccurate or unverifiable information Failed to delete or modify information that could not be properly verified Equifaxs conduct shows a willful and/or negligent failure to comply with its statutory duties under the FCRA.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to Conduct a Reasonable Reinvestigation Equifax is required to conduct a reasonable reinvestigation to determine whether disputed information is inaccurate. A superficial or automated verification process does not satisfy this obligation.

2. 15 U.S.C. 1681i ( a ) ( 2 ) Failure to Properly Notify Furnishers Equifax must provide Furnishers with all relevant information submitted by the consumer in a dispute. Merely forwarding a generic code or summary is insufficient.

3. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Failure to Delete or Modify Unverifiable Information If Equifax can not verify disputed information, it must be deleted or corrected. Continuing to report unverifiable data is unlawful.

4. 15 U.S.C. 1681e ( b ) Failure to Maintain Reasonable Procedures for Maximum Accuracy Equifax has a duty to maintain reasonable procedures to ensure maximum possible accuracy. Reporting disputed, inaccurate, or incomplete information indicates failure of these procedures.

5. 15 U.S.C. 1681g ( a ) ( 1 ) Failure to Disclose Sources and Methodology Equifax failed to fully disclose the source of verification or the method used to allegedly confirm the information, depriving me of the opportunity to meaningfully challenge inaccurate reporting.

6. 15 U.S.C. 1681n and 1681o Civil Liability for Willful or Negligent Noncompliance Equifaxs conduct constitutes negligent and/or willful noncompliance, making it liable for statutory, actual, and punitive damages as well as attorneys fees.

Equifaxs unlawful reporting has caused me concrete harm, including but not limited to : Credit score damage Denial of credit opportunities Emotional distress Financial and reputational injury

Company response to consumer: Closed with explanation