Consumer complaint received 2025-10-06 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: FL

Complaint narrative:
I am filing this complaint to formally charge Equifax Information Services, LLC with gross negligence, reckless indifference, and willful violation of federal law under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ), 1681i, and 1681b ).

Despite repeated disputes, Equifax has continued to publish false, inconsistent, and unverified information on my credit report, demonstrating a complete disregard for the investigative and accuracy standards mandated by law. 

The following accounts remain unlawfully reported : XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX  Opened approximately XX/XX/XXXX, reported as a charge-off with a balance of {$790.00}. 
Equifaxs reporting contains contradictory dates and statuses showing a last payment on XX/XX/XXXX, but last reported as XX/XX/XXXX. This inconsistency defies logic and violates 15 U.S.C. 1681e ( b ), which requires credit bureaus to follow reasonable procedures to assure maximum possible accuracy. 
The lack of documentation verifying ownership or validity confirms that this item was verified through automated or non-manual review, in direct violation of the FCRAs reinvestigation requirements. 

XXXX Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  Opened approximately XX/XX/XXXX, reported as a charge-off with a balance of {$1900.00}. 
Equifaxs data conflicts across multiple fields showing last payment XX/XX/XXXX, yet last updated XX/XX/XXXX revealing a lack of procedural control and data integrity. 
Moreover, Equifax failed to obtain any verifiable documentation from the furnisher, instead parroting unverifiable responses through its automated dispute system, a practice that federal courts have condemned as noncompliant under 1681i ( a ). 

XXXX Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  Opened approximately XX/XX/XXXX, reported as charged-off, with a {$0.00} balance but inconsistent high credit amounts between {$540.00} and {$1200.00} and conflicting remarks such as charged off, transferred, or sold. 
These contradictions prove that Equifax is disseminating incoherent and conflicting information, showing neither factual accuracy nor legal compliance. 

Despite my timely and documented disputes, Equifax has failed to complete a lawful reinvestigation within the 30-day statutory timeframe required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). This is not a procedural error it is a clear and deliberate violation of federal law. The statute is explicit : once a consumer disputes an account, the agency must reinvestigate and respond within 30 days. Equifaxs prolonged inaction and continued reporting beyond that period constitute willful noncompliance, subjecting it to civil liability under 1681n ( willful violations ) and 1681o ( negligent violations ).

Equifax has had ample opportunity to verify or remove these disputed tradelines. Instead, it has knowingly chosen to continue publishing defamatory, inaccurate, and damaging data, causing me substantial harm including credit denials, higher interest rates, and emotional distress. Each day these false items remain constitutes an ongoing publication of defamatory material, further compounding Equifaxs liability.

Equifaxs actions demonstrate not only reckless disregard for consumer protection law but also a pattern of systemic failure. Its dependence on automated e-Oscar verification systems instead of actual human review is unacceptable and unlawful. By exceeding the 30-day reinvestigation period and maintaining materially inaccurate data, Equifax stands in blatant, ongoing violation of federal law and will be held fully accountable.

Company response to consumer: Closed with explanation