Consumer complaint received 2024-08-03
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. (LA)

I am writing to urgently request assistance from the Consumer Financial Protection Bureau ( CFPB ) in correcting inaccuracies in my credit report maintained by Equifax. Despite numerous attempts to resolve these issues directly with Equifax, the discrepancies remain unaddressed, adversely affecting my credit score and financial stability. These ongoing inaccuracies have significantly impacted my life, and once one issue is resolved, another account error surfaces, further demonstrating a pattern of systemic failures. 
1. XXXX Account Discrepancies : Despite supplying all requested documents from my lender validating my claims, Equifax refuses to address the inaccuracies in the XXXX account reporting. The documentation clearly shows that all necessary updates were made to my credit report, indicating no outstanding delinquencies or negative marks related to my payment history with XXXX. Equifaxs failure to correct these inaccuracies, despite the provided evidence, continues to harm my credit evaluation. 
XXXX. Repeated Issues with Other Accounts : This issue is not isolated. I have faced similar problems with multiple accounts, including those with XXXX XXXX and XXXX XXXX, among others. Each time, I provided the required documentation, yet Equifax consistently failed to address the issues adequately. These recurring problems, along with numerous escalation numbers provided by Equifax, demonstrate a systemic failure in handling disputes, thus failing me as a consumer. 
XXXX. Impact on Credit Age and Stability : Equifaxs failure to resolve these issues has led to the deletion of several accounts, further dropping the age of my credit. This is not due to lender reporting issues, as these discrepancies only appear on my Equifax report. I can provide reports from other credit bureaus upon request to demonstrate that these issues are unique to Equifax. 
XXXX. No Investigation on Specific Accounts : I specifically request that Equifax does not investigate the XXXX XXXX XXXX XXXX XXXX accounts mentioned here. Given the numerous errors and mishandlings, I do not trust that these accounts will be correctly managed and fear further inaccuracies. 
XXXX. Incomplete Dispute Resolutions : Many of my disputes are being marked as completed by Equifax without any actual resolution or updates on my end. This prevents me from properly uploading valid documents and addressing the inaccuracies effectively. 

Despite my efforts and the documentation I have provided, Equifax has informed me that the data appearing on my report is how the reporting company has provided it. Equifax has requested that the reporting company contact their business line at XXXX to resolve this matter directly. 
I have supplied all required documents to Equifax, as instructed, but the necessary corrections have not been made. The incorrect reporting has significantly impacted my financial stability, and it is imperative that my credit report accurately reflects my account status. 
Relevant FCRA Laws and Statutes : Section 609 ( 15 U.S.C. 1681g ) : Provides consumers the right to obtain all information in their credit file and mandates the disclosure of sources of information. 
Section 611 ( 15 U.S.C. 1681i ) : Requires credit reporting agencies to reinvestigate disputed information and correct or delete any information found to be inaccurate, incomplete, or unverifiable within 30 days. 
Section 623 ( 15 U.S.C. 1681s-2 ) : Obligates furnishers of information to provide accurate information and correct any inaccuracies promptly. 
These FCRA provisions are crucial to ensure that consumers like myself are protected from inaccurate credit reporting and that any disputes are handled promptly and correctly. 
Thank you for your prompt attention to this matter.