Consumer complaint received 2024-08-16
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. (MI)

In response to nearly forty ( 40 ) separate detailed indirect dispute notices Equifax has failed to correct facially false, and inaccurate or misleading data furnished to it by XXXX XXXX for an account/tradeline Equifax maintains and disseminates regarding Complainant. The nature of the information provided to Equifax in the dispute process has been quite specific. Complainant has repeatedly pointed out facial inaccuracies such as purported Dates of First Delinquency ( " DoFD '' ) that conflict with payment history in the same report. Additionally, Complainant has provided Official detailed written responses supplied by XXXX XXXX in response to Complainant 's direct disputes, in which XXXX XXXX repeatedly provided contradictory explanations for its inability to meet its responsibilities under the FCRA, ECOA, TILA/Reg. Z, Reg. V, and the ADA. Complainant EVEN provided a copy of an early XX/XX/XXXX response from XXXX XXXX, in which XXXX XXXX itself ADMITTED they had been furnishing information to the CRAs that they knew or had reasonable cause to believe was inaccurate. Finally, In many of the indirect disputes filed by Complainant, Equifax has been provided with a statement from XXXX XXXX ' own prior collections agent that provided an enumerated list as to why they returned the matter to XXXX, expressing concerns regarding violations of FCRA, ECOA, TILA/Reg. Z, Reg. V, and the ADA. Despite such evidence Equifax has failed to take action other than to use the XXXX process on its own to perpetuate data Equifax knows or has reasonable cause to believe is false and/or inaccurate and/or incomplete and/or misleading, providing " results '' of its purported ( re ) investiagtions stating information, including facially false information, had been verified as accurate and or consuming data from XXXX XXXX that " updated '' the same facially false and/or inaccurate and/or incomplete and/or misleading information. The repeated failure to either correct or remove and block the inaccurate information from the files Equifax maintains and disseminates regarding Complainant has caused serious damage to Complainant including financial instability, housing instability, employment instability, severe emotional distress, and has exacerbated Complaints underlying health conditions. All Complainant has asked Equifax to do is to remove the account or to remove the payment history and derogatory statuses and derogatory payment ratings. In summary, Equifax has contravened its responsibilities under the FCRA and has decided it was far more beneficial to cause repeated harm to Complainaint. Here is a partial list of the direct disputes through XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXX ; XXXX XX/XX/XXXX XXXX XXXX ; XXXX XX/XX/XXXX - Equifax Confirmation XXXX ; XXXX XX/XX/XXXX - Equifax Confirmation XXXX ; XXXX XX/XX/XXXX XXXX XXXX ; XXXX XX/XX/XXXX - CFPB Complaint XXXX ; XXXX XX/XX/XXXX- Equifax Confirmation XXXX ; XXXX XX/XX/XXXX - CFPB Complaint XXXX ; XXXX XX/XX/XXXX- Equifax Confirmation XXXX ; XXXX XX/XX/XXXX - CFPB Complaint XXXX ; XXXX XX/XX/XXXX - CFPB Complaint XXXX ; XXXX XX/XX/XXXX - CFPB Complaint XXXX ; XXXX XX/XX/XXXX - CFPB Complaint XXXX ; XXXX XX/XX/XXXX - CFPB Complaint XXXX ; XXXX XX/XX/XXXX- Equifax Confirmation XXXX ; XXXX XX/XX/XXXX- Equifax Confirmation XXXX ; XXXX XX/XX/XXXX - CFPB Complaint XXXX ; XXXX XX/XX/XXXX - CFPB Complaint XXXX ; XXXX XX/XX/XXXX - CFPB Complaint XXXX ; XXXX XX/XX/XXXX - CFPB Complaint XXXX ; XXXX XX/XX/XXXX - CFPB Complaint XXXX ; XXXX XX/XX/XXXX - CFPB Complaint XXXX ; XXXX XX/XX/XXXX - CFPB Complaint XXXX ; XXXX XX/XX/XXXX- Equifax Confirmation XXXX ; XXXX XX/XX/XXXX - CFPB Complaint XXXX ; XXXX XX/XX/XXXX - CFPB Complaint XXXX ; XXXX XX/XX/XXXX - CFPB Complaint XXXX ; XXXX XX/XX/XXXX - CFPB Complaint XXXX ; XXXX XX/XX/XXXX - CFPB Complaint XXXX ; XXXX XX/XX/XXXX - CFPB Complaint XXXX ; XXXX XX/XX/XXXX - CFPB Complaint XXXX ; XXXX XX/XX/XXXX - CFPB Complaint XXXX ; XXXX XX/XX/XXXX - CFPB Complaint XXXX ;