Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this formal complaint against Equifax for their ongoing failure to investigate and correct inaccurate, misleading, and unverifiable information on my credit report. Despite multiple disputes and prior CFPB involvement ( Complaint IDs : XXXX and XXXX ), Equifax continues to respond inadequately, relying on superficial updates rather than conducting a thorough reinvestigation as required under FCRA 1681s-2 ( b ) and 1681i ( a ). Furthermore, their actions violate the CFPBs 2025 medical debt reporting rules. 

Specific Issues with Equifaxs Reporting : XXXX. XXXX XXXX XXXX ( Account Ending in XXXX Closed ) Equifax has failed to address inaccuracies in the reporting of this account. The following issues remain unresolved : Charge-Off Reporting : The account is listed as " CHARGE_OFF '' with an active balance of {$2600.00}. According to XXXX XXXX compliance guidelines, charge-offs should not report an active balance if the debt has been sold or is no longer being collected. Equifax has ignored this requirement. 
Experian Removal : XXXX has already removed this account from my credit report after their investigation. This inconsistency between credit bureaus further demonstrates Equifaxs failure to ensure the accuracy of the reported information, as required under FCRA 1681e ( b ).

Missing Account Details : Critical fields such as " High Credit '' and " Available Credit '' remain blank, making this report incomplete and non-compliant with XXXX XXXX standards. 
Payment History Accuracy : Equifax failed to correct inaccuracies in the historical payment history, which does not reflect on-time payments leading up to the charge-off designation. 

These inaccuracies not only violate FCRA 1681s-2 ( b ) but also undermine my right to accurate credit reporting. If Equifax can not fully validate this accountincluding documentation from the data furnisher confirming the charge-off balance and payment historyit must be removed from my credit report. 

XXXX. XXXX XXXX XXXX ( Collection Account Ending in XXXX ) Equifax continues to report this collection account despite the XXXX XX/XX/year> medical debt reporting rules, which prohibit the inclusion of medical collections unless the debt is properly substantiated. The following issues remain unresolved : Failure to Validate : XXXX XXXX XXXX has not provided an itemized bill, proof of debt ownership, or evidence of consumer liability for this debt. 
Non-Compliance with CFPB 2025 Final Rule : XXXX XX/XX/year>, medical debts are prohibited from being reported unless specific validation requirements are met. Equifaxs continued reporting of this account violates Regulation V amendments ( XXXX ). 

This collection account must be removed immediately unless Equifax can provide full validation, including all required documentation, as mandated by the CFPB rules and FCRA 1681i ( a ).

Equifaxs Violations 1. Failure to Conduct a Reasonable Reinvestigation ( FCRA 1681i ( a ) ) : Equifax has relied on responses from data furnishers without independently verifying the accuracy and completeness of the reported information.

2. Failure to Ensure Maximum Possible Accuracy ( FCRA 1681e ( b ) ) : Equifax continues to report unverifiable and misleading data, including incomplete account details and active balances on charge-offs.

3. Violation of CFPB 2025 Medical Debt Reporting Rules : Equifax has failed to remove unsubstantiated medical debts, directly contravening the CFPBs final rule.

Company response to consumer: Closed with explanation