Consumer complaint received 2024-08-13
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. (GA)

Subject : Equifax Failure to Update Personal Information and Restricted Access to Credit Report Summary : On XX/XX/year>, I requested Equifax to update my personal information on my credit profile. Since making this request, I have been unable to access my credit profile. My complaint ID for that request is XXXX. 
On XX/XX/year>, I disputed inaccurate information on my credit report. The company responded on XX/XX/year>, stating they could not locate a credit file in their database with the identification information provided. They requested additional documents, including my complete name, current and former addresses, Social Security Number, Date of Birth, and copies of my valid Social Security card and driver 's license. 
On XX/XX/year>, I called to resolve this issue and regain access to my dispute results and consumer report. The representative informed me that I needed to resubmit my request with a driver 's license, Social Security card, a bill, and a cover letter. I complied with their request and submitted all required documents multiple times. However, I am still unable to access my credit profile. 
This issue stems from my initial request for my personal information to be updated on my consumer report, which has led to unnecessary delays and restricted access to my credit profile. 
2. Laws and Violations : 15 U.S.C. 1681i ( a ) ( 1 ) : The Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies to conduct a reasonable investigation if a consumer disputes the accuracy of information on their credit report. Equifaxs failure to properly handle my dispute violates this provision.

15 U.S.C. 1681b : Under the FCRA, consumer reporting agencies must ensure they have accurate and complete consumer information. Equifaxs failure to update my personal information and restrict my access to my credit report is a violation of this requirement.

15 U.S.C. 1681e ( b ) : The FCRA mandates that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. Equifaxs actions have compromised the accuracy of my report by not updating my personal information.

3. Desired Resolution : I request that Equifax : 1. Immediately update my personal information on my credit profile as requested on XX/XX/year>. 
2. Provide access to my credit profile and the results of my disputes.

3. Ensure that my personal information is accurately reflected in their records.

4. Provide a formal response explaining the delay and the steps they will take to prevent this issue from recurring.

Please resolve this matter promptly as it has caused significant inconvenience and restricted access to my financial information.

________________________________________ 4. How to Submit the Complaint : 1. Go to the Consumer Financial Protection Bureau ( CFPB ) complaint page. 
2. Select the category that best fits your issue ( e.g., " Credit reporting '' ).

3. Fill in your personal information and details about your complaint, using the structure above.

4. Submit your complaint.

Make sure to keep a record of your complaint ID and any communication you receive from the CFPB or Equifax for future reference.