Consumer complaint received 2024-10-29
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. (VA)

Notice to Principal ; Notice to Agent - Notice to Agent ; Notice to Principal XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX | DOB : XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Formal Complaint Against Equifax for Noncompliance and Failure to Provide Debt Validation Dear CFPB Complaints Team, I am writing to formally file a complaint against Equifax for their refusal to address ongoing inaccuracies on my credit report and their failure to provide validation for reported debts, in violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Complaint Summary : 1. Inaccurate Credit Reporting : I have identified several inaccuracies on my credit report maintained by Equifax. I have previously sent multiple letters and notices to Equifax, requesting correction or removal of these erroneous entries, as well as documentation that validates each debt being reported. Despite my requests, Equifax has not complied and continues to report inaccurate information on my credit file.

2. Denial of Debt Validation : During a recent phone call with an Equifax representative, I requested proof of debt validation to ensure that the reported debts are legitimate and substantiated by the creditors. The Equifax associate stated that while validation exists, they are unable to provide me with this documentation. This refusal lacks legal justification and directly infringes upon my rights under the FCRA. I have retained a voice recording of this interaction, documenting XXXX denial of my lawful request. 

3. Denied Access to Equifax Website : Equifax has obstructed my attempts to access my account online. They allege that I established an account in XXXX, which I have no knowledge of, nor do I possess any credentials to access it. Despite attempting to reset the account, I encountered error messages and was directed to contact Equifax by phone. During the call, Equifax associates did not offer any viable solution or guidance to access my account, thereby preventing me from obtaining my credit report or taking necessary steps to resolve these issues. 


This lack of transparency and repeated noncompliance by Equifax is unacceptable and has caused significant distress and inconvenience, as these inaccuracies impact my creditworthiness and access to financial resources. 

Requested Resolution : I am requesting the CFPB to : 1. Investigate XXXX refusal to provide debt validation for reported entries, despite my documented and recorded requests. 

2. Compel Equifax to allow me access to my online account or provide alternative means to obtain my credit report. 

3. Enforce corrections or removals of the inaccurate information on my credit report if Equifax fails to provide appropriate debt validation documentation. 

I will provide the voice recording of my conversation with XXXX representative as supporting evidence of their noncompliance and request that this be used to hold Equifax accountable for their failure to adhere to fair credit reporting practices. 

Thank you for your time and attention to this matter. I look forward to your assistance in resolving this issue. 

Sincerely, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX