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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Consumer Complaint Against Equifax for FCRA Violations on Multiple Accounts. I am filing this complaint against Equifax for failure to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ) regarding my requests for validation and reinvestigation of multiple accounts on my credit report. Despite sending several written requests for debt validation and dispute reinvestigation, Equifax has neither responded nor provided the legally required documentation or results.

Accounts in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Initial Validation Request - On XX/XX/XXXX, I mailed a letter to Equifax requesting validation of these debts, as allowed under the FCRA ( Section 611 ( a ) ( 1 ) ( A ) ), to confirm the accuracy and completeness of the reported accounts. Equifax did not respond to this letter.

Second Request for Reinvestigation - On XX/XX/XXXX, having received no response from Equifax, I mailed a second letter requesting reinvestigation of the accounts in question. No response was received from Equifax following this second request.

Further Follow-Ups- To ensure compliance with federal law, I sent additional letters on XX/XX/XXXX, and XX/XX/XXXX. Each of these letters reiterated my requests for investigation and validation of these accounts. To date, I have not received any acknowledgment or results from Equifax regarding my dispute requests.

VIOLATIONS : Under the FCRA, consumer reporting agencies have specific responsibilities to uphold consumer rights : TIMELY INVESTIGATION : According to Section 611 ( a ) ( 1 ) ( A ) of the FCRA, Equifax is required to investigate a consumer dispute within 30 days ( or 45 days if additional information is provided ). Equifax has far exceeded these legally mandated timeframes, as my requests have gone unanswered for over four months.

NOTIFICATION OF INVESTIGATION RESULTS : Under Section 611 ( a ) ( 6 ), Equifax is required to notify me of the results of its investigation once completed. Equifaxs lack of communication and failure to provide results indicates non-compliance with this requirement.

RIGHT TO VALIDATION : Equifax has also ignored my initial validation request, which is critical for ensuring the accuracy of the reported debts. By failing to validate or investigate the accounts, Equifax has compromised my ability to verify and maintain a fair and accurate credit report.

DOCUMENTS PROVIDED : For the CFPBs review, I am enclosing copies of each letter sent to Equifax on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, along with my identification for verification purposes. These documents demonstrate the timeline of my communication and Equifaxs lack of response, indicating a clear breach of FCRA requirements.

CONCLUSION : Equifaxs failure to respond to my repeated dispute and validation requests for over four months is a clear violation of my rights under the FCRA. I seek the CFPB 's assistance to enforce compliance with federal law, ensure my credit reports accuracy, and hold Equifax accountable for these legal violations.