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. (WA)

Consumer Complaint Against Equifax for FCRA Violations Regarding Multiple Accounts and Incorrect Personal Information Description of the Issue : I am submitting this complaint against Equifax for multiple failures to adhere to its obligations under the Fair Credit Reporting Act ( FCRA ) regarding debt validation, dispute reinvestigation, and correction of inaccurate personal information. Despite sending multiple written requests and providing proper identification with each dispute, Equifax has not responded or provided the legally required documentation or investigation results.

Accounts in Question and Incorrect Information : Accounts - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Addresses - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Timeline of Communication : First Letter for Correction of Personal Information - On XX/XX/XXXX, I sent a letter requesting correction of inaccurate addresses on my report ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and included identification. Equifax did not respond or u

pdate my information to remove these incorrect addresses. Second Letter for Debt Validation - On XX/XX/XXXX, I mailed a letter to Equifax requesting validation of the debts listed above, as permitted under the FCRA ( Section 611 ( a ) ( 1 ) ( A ) ). I included proper identification to facilitate processing. Equifax did not respond to this request within the required 30-day period.

Reinvestigation Request - On XX/XX/XXXX, after not receiving responses to my initial letters, I sent a third letter requesting reinvestigation of the previously disputed accounts, again including proper identification. This request was also ignored.

Final Follow-Up - On XX/XX/XXXX, I mailed a fourth and final letter reiterating my requests for validation, reinvestigation, and correction of personal information, along with my identification. To date, I have not received any communication or results from Equifax.

Relevant FCRA Violations : Equifax has failed to meet its legal obligations under the FCRA in the following ways : Investigation and Timely Response : Under Section 611 ( a ) ( 1 ) ( A ) of the FCRA, Equifax is required to investigate disputed information within 30 days ( or 45 days if additional documentation is provided ). Equifaxs complete lack of response to my four requests over a period of several months is a clear violation of this mandate.

Notification of Investigation Results : Per Section 611 ( a ) ( 6 ), Equifax must notify consumers of investigation results following a reinvestigation. By not providing any documentation or results from my initial request or follow-up reinvestigation request, Equifax is in violation of this FCRA requirement.

Correction of Inaccurate Personal Information : The FCRA mandates accurate and complete consumer information under Section 611. Equifaxs failure to update my personal information after my request means that two incorrect addresses ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) remain on my credit report, impacting its accuracy.

Documentation Provided : For the CFPB 's review, I am providing copies of all letters sent to Equifax on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, along with my identification. These documents establish the timeline of my communication attempts and XXXX lack of response, which constitutes a breach of FCRA regulations. 
Conclusion : XXXX failure to respond to multiple dispute, reinvestigation, and correction requests despite having proper identification has compromised my ability to maintain an accurate credit profile, in clear violation of the FCRA. I seek the CFPBs intervention to enforce compliance with federal law, protect my rights, and secure accurate reporting on my credit report.