Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #14361709
Complaint Overview
Complaint ID: 14361709
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Michigan
ZIP Code: 483XX
Date Received: 2025-06-29T12:00:00-05:00
Date Sent to Company: 2025-06-29T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting this formal complaint against Equifax Information Services LLC due to multiple inaccurate and unverifiable items reporting on my credit file which are causing significant and ongoing financial harm. These accounts are either reporting in error, reporting outdated or misleading information, or are in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I have made multiple attempts to dispute these inaccuracies, and despite my rights under federal law, Equifax has failed to correct these errors, which violates my consumer rights under FCRA 1681i, 1681s-2, and 1681e ( b ). Below are the specific accounts in question, along with their issues and the legal violations they present : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$19000.00} Late Payment * * This account is inaccurately reporting late payments. I have previously requested verification and validation of the dates and details of these alleged delinquencies, but Equifax has continued to report these derogatory marks without conducting a reasonable investigation as required by FCRA 1681i ( a ) ( 1 ) ( A ). This failure to ensure accuracy and completeness constitutes a violation of FCRA 1681e ( b ). I am requesting full deletion of this account due to Equifaxs failure to properly investigate and validate the late payment history as per FCRA requirements. XXXX XXXX Acct # : XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$1100.00} Collection * * This collection account is inaccurately listed and unverifiable. I have no recollection of initiating or authorizing this debt. Under FCRA 1681b, consumer reporting agencies must have permissible purpose to report collections, and under 1681e ( b ), they are obligated to maintain maximum possible accuracy. XXXX XXXX XXXX is also known for furnishing unverifiable data in violation of FCRA 1681s-2 ( a ). Equifax has failed to reasonably investigate my dispute or provide any proper validation. I request permanent deletion of this collection account. XXXX XXXX Acct # : XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$2800.00} Charge Off * * This charge-off account has not been validated or proven with any written contract, signed agreement, or itemized billing. Reporting this as a charge-off without validation and without verifying the details violates my rights under FCRA 1681i ( a ) ( 1 ) and also the FDCPA ( Fair Debt Collection Practices Act ) 809 ( b ), which requires that all debts be validated upon request. Equifax 's continued reporting without substantiation constitutes negligent and willful non-compliance under FCRA 1681n and 1681o. I request this item be removed from my file immediately. XXXX XXXX XXXX Acct # : XXXX Date Opened : XX/XX/XXXX High Credit : {$1900.00} Collection * * This collection account is being reported inaccurately. There has been no proper notification or validation provided. FCRA 1681e ( b ) mandates that consumer reporting agencies ensure the maximum possible accuracy of the information they report. Additionally, Equifax has failed to provide a clear method of investigation and failed to verify the original creditor, amount owed, and contractual obligation. This is not only misleading but harmful to my creditworthiness. I demand immediate removal in accordance with FCRA and FDCPA. Equifax is legally obligated to respond to disputes and ensure accuracy of the information it maintains. By continuing to report these accounts without verification, Equifax is failing to uphold the standards of the Fair Credit Reporting Act. The ongoing harm to my credit profile has impacted my ability to secure housing, employment, and essential services. I request CFPBs intervention in requiring Equifax to permanently delete the abovementioned accounts and fully comply with its legal obligations.
Frequently Asked Questions
What is Complaint #14361709 about?
Complaint #14361709 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-06-29T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Equifax, INC.?
Yes, visit the Equifax, INC. company profile at readthecomplaint.com/company/equifax-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.