Consumer complaint received 2025-08-18 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Subject : Complaint Regarding Inaccurate Credit Reporting Equifax Dear Consumer Financial Protection Bureau, I am filing this complaint against Equifax for their ongoing failure to accurately report, correct, and delete erroneous credit information in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), Regulation F, and other applicable federal and state consumer protection laws. 
Despite providing Equifax with dispute documentation, evidence, and formal notices well beyond the XXXX and additional XXXX reinvestigation periods allowed under XXXX XXXX. XXXX and XXXX XXXX. XXXX, Equifax has failed to remove or correct the following accounts and inquiries, which remain inaccurate, unverifiable, or reported in bad faith. 
Accounts to be Disputed : XXXX ) XXXX XXXX  AccXXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Status : Open ( charge-off code XX/XX/XXXX, multiple XXXX lates ) Last payment : XX/XX/XXXX Responsibility : Individual Furnisher contact : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX ) XXXX. 
XXXX ) XXXX XXXX XXXX XXXX XXXX  : XXXX Opened : XX/XX/XXXX Status : Open ; Pays as agreed Balance : {$25.00} Limit : {$300.00} Usage : 8 % Monthly XXXX : {$17.00} Last payment : XX/XX/XXXX XXXX late payment ( XXXX, XX/XX/XXXX ) Furnisher contact : XXXX XXXX XXXX, XXXX XXXX XXXX NV XXXX ; ( XXXX ) XXXX. 
XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX Opened : XX/XX/XXXX Type : Installment Status : XXXX days past due Balance : {$3900.00} Original : {$3500.00} Past due : XXXX XXXX Monthly XXXX : {$39.00} Terms : XXXX mo Last payment : XX/XX/XXXX Comments : Fixed Rate Contact : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX ) XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Opened : XX/XX/XXXX Type : Installment Status : XXXX days past due Balance : {$6900.00} Original : {$6000.00} Past due : XXXX XXXX  Monthly XXXX : {$70.00} Terms : XXXX mo Last payment : XX/XX/XXXX Comments : Fixed Rate Contact : same as above. 
XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Type : Installment Status : XXXX days past due Balance : {$1900.00} Original : {$1700.00} Past due : XXXX XXXX Monthly XXXX : {$57.00} Terms : XXXX mo Last payment : XX/XX/XXXX Comments : Fixed Rate Contact : same as above. 
XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX Opened : XX/XX/XXXX Type : Installment Status : Pays as agreed Balance : {$20000.00} Original : {$20000.00} Monthly XXXX : {$500.00} Last payment : XX/XX/XXXX Terms : XXXX mo Contact : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ; ( XXXX ) XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Opened : XX/XX/XXXX Status : Charge-off ( Closed ) Balance : {$780.00} Past due : {$780.00} Limit : {$800.00} Status updated : XX/XX/XXXX Last payment : XX/XX/XXXX Comments : Charged-off ; Account closed by credit XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX ( XXXX ) XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  : XXXX Opened : XX/XX/XXXX Status : Charge-off ( Closed ) Balance : {$2200.00} Past due : {$2200.00} Limit : {$2000.00} Status updated : XX/XX/XXXX Last payment : XX/XX/XXXX Comments : Charged-off ; Account closed by credit XXXX XXXX : same as above. 
XXXX ) XXXX XXXX XXXX : XXXX Opened : XX/XX/XXXX Status : Pays as agreed ( Closed ) Balance : {$0.00} Original : {$12000.00} Status updated : XX/XX/XXXX Last payment : XX/XX/XXXX Contact : XXXX XXXX XXXX, XXXX, TX XXXX ; ( XXXX ) XXXX. 
XXXX ) XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Status : Pays as agreed ( Closed ) Balance : {$0.00} Original : {$18000.00} Terms : XXXX mo Last payment : XX/XX/XXXX Late payments : XXXX XXXX lates Comments : Fixed Rate Contact : same as above. 
XXXX ) XXXX XXXX XXXX XXXX Mortgage ) Acct XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Status : XXXX days past due ( Closed ) Balance : {$350000.00} Past due : {$19000.00} Monthly XXXX : {$1700.00} Last payment : XX/XX/XXXX Terms : XXXX yrs Responsibility : Joint Comments : Foreclosure process started Contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ; ( XXXX ) XXXX. 
XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Status : Charge-off ( Closed ) Balance : {$240.00} Limit : {$300.00} Past due : {$240.00} Status updated : XX/XX/XXXX Last payment : XX/XX/XXXX Comments : Charged-off ; Account closed by credit XXXX XXXX : Credit Bureau Dispute Resolution XXXX XXXX XXXX XXXX IA XXXX XXXX ( XXXX ) XXXX. 
XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Acct # : XXXX Opened : XX/XX/XXXX Status updated : XX/XX/XXXX Balance : {$300.00} Past due : {$300.00} Comments : Collection account Collector contact : XXXX XXXX XXXX XXXX, XXXX, XXXX; ( XXXX ) XXXX. 
Bankruptcy XXXX XXXX : Equifax is reporting a dismissed XXXX  XXXX XXXX  filed on XX/XX/XXXX, and dismissed on XX/XX/XXXX. A dismissed bankruptcy is not a completed adjudication of debt and holds no legal effect under the Bankruptcy XXXX. Reporting a dismissed bankruptcy as if it were a valid negative item is misleading, constitutes inaccurate reporting, and violates FCRA XXXX ( b ) and XXXX, which require maximum possible accuracy and prompt correction of errors. This item must be permanently deleted. 
Legal Violations and Basis for Deletion : - XXXX XXXX. XXXX ( a ) Failure to conduct a reasonable reinvestigation within XXXX  days. 
- XXXXXXXX XXXX XXXXXXXX ( b ) Failure to maintain maximum possible accuracy. 
- XXXXXXXX XXXX XXXXXXXX Failure to validate debts before continued collection activity. 
- XXXX XXXX XXXXXXXX Lack of permissible purpose for reporting certain accounts. 
- XXXX XXXX XXXX XXXX XXXX  ( XXXX ), XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Unauthorized access to a consumers credit report without a permissible purpose constitutes a concrete injury under the FCRA, and the burden is on the furnisher to prove permissible purpose. 
- Regulation F Prohibition of false or misleading credit information. 
XXXX Requested : I request that the CFPB compel Equifax to : XXXX. Delete the above-referenced accounts and inquiries in their entirety. 
XXXX. Delete the dismissed bankruptcy from my credit file. 
XXXX. Provide written confirmation of the deletions within XXXX  days. 
The continued reporting of these inaccurate, unverifiable, and misleading accounts places Equifax in legal jeopardy under XXXX XXXX. XXXX for willful noncompliance and XXXX XXXX. XXXX for negligent noncompliance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation