Consumer complaint received 2024-08-23
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. (TX)

I am submitting this complaint against Equifax for multiple violations of the Fair Credit Reporting Act ( FCRA ) that have caused me significant financial harm and emotional distress. I have sent multiple dispute letters to Equifax including all necessary proof and documentation, to investigate the completeness and accuracy of my accounts on my credit report. Despite my efforts, Equifax has repeatedly failed to update or modify my account information according to 15 USC 1681i ( a ) ( 5 ), which is a violation of the FCRA. XXXX inaction has led to continued harm. 
Equifax has gone as far as wiping my entire credit file for over XXXX months, causing me to be denied a refinance on my home. Every time I contacted Equifax, I was required to verify my identity, and after doing so, Equifax representatives assured me that the issues would be corrected. Despite these assurances, nothing was done. I have also mailed proof of residence. In XXXX they requested the same proof of residence again, even though it was clearly attached to my previous dispute submission. Equifax continues to state that the accounts are verified but has never explained how these accounts were validated. 
Equifaxs mishandling of my credit report is so severe that they are reporting an account that was closed XXXX years ago as open, with payments falsely updated until XX/XX/year>. These errors are ruining my life. 

Violations and Compensation Sought Failure to Correct Inaccurate Information ( 15 USC 1681i ( a ) ( 5 ) ) Violation : Equifax has not corrected or deleted inaccurate information despite numerous disputes. ( {$1000.00} per violation ) Failure to Provide Results of Reinvestigation ( 15 USC 1681i ( a ) ( 6 ) ) Violation : Equifax did not adequately explain how they verified the accuracy of the disputed accounts. ( {$1000.00} per violation ) Failure to Reinvestigate and Correct Inaccuracies After Receiving Police Report ( 15 USC 1681c-2 ) Violation : Despite receiving a police report and FTC report , Equifax did not correct the inaccuracies related to identity theft. ( {$1000.00} per violation ) Denial of Credit Due to Inaccurate Reporting ( 15 USC 1681o ) Violation : Inaccurate reporting by Equifax led to the denial of my refinance application, causing financial harm. ( {$1000.00} per violation ) Harassment or Abuse by Debt Collectors ( 15 USC 1692d ) Violation : Equifax or its representatives engaged in conduct that caused significant emotional distress, constituting harassment or abuse under the FDCPA.

( {$1000.00} per violation ) False or Misleading Representations ( 15 USC 1692e ) Violation : Equifax made false or misleading representations by continuing to verify inaccurate information on my credit report, despite providing proof to the contrary.

( {$1000.00} per violation ) Emotional Distress and Inconvenience ( 15 USC 1692f ) Violation : The repeated failures, delays, and continued inaccuracies in my credit report have caused significant emotional distress and inconvenience, which is considered an unfair practice under the FDCPA.

( {$1000.00} for emotional distress ) Please find attached all relevant documentation, including copies of my dispute letters including date, and confirmation info, XXXX responses, and proof of residence. You will notice at the end of each dispute my documents are included, that they're still requesting. 

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