Product: Credit reporting or other personal consumer reports

To : Consumer Financial Protection Bureau ( CFPB ) Subject : Follow-Up Complaint Equifax Wrongfully Marking Disputes as Frivolous Despite Proof of Inaccuracies Dear Consumer Financial Protection Bureau , I am filing this complaint against Equifax for their refusal to conduct a proper reinvestigation of disputed items on my credit report. Equifax has wrongfully marked my recent disputes as frivolous despite the submission of new supporting information and documentation of multiple inaccuracies. Furthermore, XXXX has already deleted similar inaccurate accounts after proper investigations. 

This issue is particularly concerning given Equifaxs current legal scrutiny by the CFPB for violations of the Fair Credit Reporting Act ( FCRA ). I am requesting immediate intervention to ensure compliance with the FCRA and correction of the inaccurate items. 

Accounts in Dispute 1. XXXX XXXX Account Ending in XXXX 2. XXXX ( XXXX ) Account Ending in XXXX Previous Complaint History with Equifax 1 . Complaint ID : XXXX ( XXXX XXXX ) Equifax verified the account without addressing the multiple inconsistencies in balances, dates, and payment history. 
2. Complaint ID : XXXX ( XXXX XXXX and XXXX ) Equifax again verified these accounts inaccurately, despite removal by XXXX and XXXX. 
3. Recent Response ( XX/XX/year> ) Equifax marked my new disputes as frivolous and refused to conduct any further investigation. 

FCRA Violations by Equifax 1. FCRA 1681e ( b ) Failure to Ensure Accuracy : Equifax is required to ensure maximum possible accuracy of the information in my credit report. The presence of inaccurate information, inconsistent balances, and discrepancies in payment history demonstrates a failure to meet this obligation. 
2. FCRA 1681i ( a ) ( 1 ) Failure to Conduct a Reasonable Reinvestigation : Equifax wrongfully classified my recent disputes as frivolous despite new information and proof of inaccuracies. Under this section, Equifax is obligated to conduct a thorough reinvestigation of disputed items, particularly when new evidence is presented. 
3. FCRA 1681s-2 ( b ) Failure to Ensure Furnisher Accuracy : Equifax has not ensured that the furnishers provided accurate and verifiable information during their investigations. This is evident in the ongoing inconsistencies across credit bureaus. 
4. Failure to Provide Verification Documentation : Equifax failed to provide verifiable proof of accuracy, such as original account agreements or transaction histories, as required under FCRA 1681i ( a ) ( 6 ). 

Specific Inaccuracies and Harm 1. XXXX XXXX ( Account Ending in XXXX ) : The payment history, balance updates, and charge-off dates are inconsistent with those reported by XXXX, where the account has been removed. 
No verification documents have been provided to substantiate the accuracy of the reported balance or charge-off. 
2. XXXX ( Account Ending in XXXX ) : Inconsistent reporting of balances, dates of last activity, and charge-off amounts. XXXX deleted this account, but Equifax continues to report it inaccurately without verification. 

Consumer Harm The continued presence of these inaccurate accounts has caused significant harm to my creditworthiness, including : Denied Credit Opportunities : Due to negative marks on my Equifax report. 
Higher Interest Rates : On existing and future loans. 
Emotional Distress and Anxiety : From the ongoing disputes and improper handling by Equifax. 

Requested Actions 1. Immediate Deletion of the Inaccurate Accounts : Remove the inaccurate XXXX XXXX and XXXX accounts from my Equifax credit report, as they contain multiple inaccuracies and have been deleted by other credit bureaus. 
2. Conduct a Proper Reinvestigation : Perform a comprehensive reinvestigation under FCRA 1681i ( a ), including a review of the newly submitted information. 
3. Provide Verification Documentation : If Equifax continues to claim the accounts are accurate, provide all verification documents, such as signed agreements or transaction histories. 
4. Compensation for Damages : Equifaxs repeated failure to address these issues has caused financial harm and emotional distress. I am requesting compensation under the FCRA for actual and statutory damages. 

Supporting Documentation Attached : 1. Dispute results from XXXX, confirming the deletion of the accounts. 
2. Credit report excerpts highlighting discrepancies in reporting across credit bureaus. 

Relevance of Current CFPB Actions Against Equifax Given the CFPBs ongoing legal action against Equifax for systemic violations of the FCRA, including failure to properly investigate disputes and ensure accurate reporting, I believe my case further exemplifies their ongoing noncompliance. I respectfully request that the CFPB investigate Equifaxs handling of this matter and impose the necessary corrective actions. 

Thank you for your attention to this complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX