Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have sent numerous dispute letters asking for validation of incorrect account information on my report and the method of how they validated multiple fraudulent claims and questionable items on my credit report and have not received an answer to my request back on anything I disputed specifically in over 45 days for these accounts that are clearly inaccurate and fraudulent remarks on these accounts. This credit bureau is disregarding the law and taking advantage of consumers and this is causing me enormous amounts of stress and waste of money and supplies on letters. The most recent certified letter I sent was XX/XX/XXXX. 
In XX/XX/XXXX I sent a dispute regarding these accounts and the credit reporting agency dropped my score XXXX points and said they could not tell me why it happened. After the dispute investigation NO changes were made to the account and nothing negative with the accounts reporting were updated or reported to cause this drastic change in score. I requested that they remove the remarks made from my account and they still have not done so. They removed some and added them right back on. It is extremely frustrating having to build credit and maintain daily life for the credit reporting agency to ruin my hard work negatively impacting my score with no explanation of why and denying my rights to have valid information reported and ignore my request. They said they validated the information disputed but clearly in the letter they sent back they validated information I did not dispute yet ignoring my request. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 



( XXXX ) Consideration of consumer information. In conducting any reinvestigation under paragraph ( XXXX ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( XXXX ) ( A ) with respect to such disputed information ( XXXX ) ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).