Consumer complaint received 2024-10-25
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. (FL)

On XX/XX/year>, I mailed a formal dispute letter to Equifax via certified mail ( tracking number : XXXX XXXX XXXX XXXX XXXX XXXX ), requesting an investigation into multiple inaccuracies on my credit report, including discrepancies in negative items and incorrect personal information, such as inaccurate names and addresses. In compliance with the Fair Credit Reporting Act ( FCRA ), I attached all the required documentation to verify my identity. These documents included : A copy of my government-issued ID, A copy of my Social Security card, and Proof of my current address. 
However, despite providing these essential and clear documents, Equifax refused to conduct an investigation. Instead of a response addressing the disputed items, I received a letter from Equifax dated XX/XX/year>, claiming that the documents I provided were illegible and requesting enlarged copies. This claim is completely inaccurate. The documents I submitted were clear, legible, and entirely viewable. Equifax 's insistence that they were illegible appears to be a stalling tactic to avoid conducting the necessary investigation. Under the FCRA, Equifax is obligated to conduct a reasonable and timely investigation into disputed information when a consumer submits a request. By failing to initiate an investigation and instead providing a baseless excuse, Equifax has not only disregarded its responsibilities but has also violated my consumer rights. Due to Equifax 's refusal to investigate, inaccurate information continues to appear on my credit report, negatively impacting my financial standing and creditworthiness. This unresolved issue has caused undue frustration, stress, and potentially harmful consequences, such as being denied credit or offered less favorable terms on loans or financial services. Equifaxs refusal to investigate my dispute is a violation of the following FCRA provisions : Section 611 ( a ) ( 1 ) ( A ) : This section mandates that the credit reporting agency conduct a reasonable reinvestigation of any information a consumer disputes as inaccurate or incomplete. Section 611 ( a ) ( 2 ) ( A ) : Equifax is required to notify the furnisher of the disputed information and proceed with a timely investigation, which they failed to do. 
To resolve this issue and rectify the harm caused by Equifax 's noncompliance with the FCRA, I am demanding the following actions : Equifax must conduct a thorough investigation of the negative items and incorrect personal information I have disputed, including all discrepancies related to my credit report. Permanent Removal of Inaccurate Information : Upon completion of the investigation, Equifax must permanently remove all inaccurate negative items and incorrect personal information, including erroneous names and addresses. Also, I request that Equifax must provide clear documentation that the disputed items have been reinvestigated, corrected, or removed, and they must notify me of the results of the investigation. 
I expect Equifax to fulfill all its obligations under the FCRA and to take responsibility for ensuring my credit report reflects accurate and verifiable information.