Consumer complaint received 2025-08-03 00:00:00
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.
State: TX

Complaint narrative:
CFPB XXXX XXXX Equifax for Each Negative Item Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of all inaccuracies and disputed information on my credit report, leaving inaccurate and unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected ALL of the inaccuracies nor removed the disputed items despite the evidence, I provided proving several FCRA violations have occurred and are still occurring presently on my credit report, causing ongoing harm to my credit standing. I am requesting immediate correction by permanently removing these disputed accounts, as Equifax 's inaction violates Federal law and my rights as a consumer. I have sent two rounds of dispute letters to XXXX in letters dated XX/XX/XXXX and XX/XX/XXXX. I have proof that Equifax has received all my dispute letters via certified mail tracking ( although Equifax did not even pick up two of my dispute letters from their local business post office ). I have requested that Equifax send the results of my investigations via USPS postal delivery to the address on each letter I sent. I have not received the dispute results in writing as requested, neither the updated credit reports also requested to be sent via mail, nor have all of the inaccuracies or inconsistencies been corrected. I no longer request any corrections as I can not trust Equifax 's investigation will be proper according to the law or completed thoroughly. Equifax has repeatedly violated FCRA section 611 ( a ) -failure to conduct a reasonable investigation and FCRA section 607 ( b ) -failure to maintain maximum possible accuracy, amongst others. Therefore, I request permanent deletion of all XXXX of these accounts. 



XXXX. XXXX : Equifax Information Services LLC XXXX. Complaint Details : o Credit Reports attached dated : # XXXX ) XX/XX/XXXX, # XXXX ) XX/XX/XXXX, XXXX ) XX/XX/XXXX Confirmation Number : XXXX, and # XXXX ) XX/XX/XXXX o Dispute Letters : XX/XX/XXXX & XX/XX/XXXX o Certified USPS dispute letters tracking details attached Equifax failed to pick up two 2nd round dispute letters from their post office as of today o 30-day timeframe for written requests for USPS postal delivery of dispute investigation results and updated credit reports has elapsed o Email responses in XX/XX/XXXX for disputes of personal information inaccuracies only XXXX. Accounts in Dispute : [ XXXX Names of Creditors/Debt Buyers accounts listed below ] XXXX. Nature of Complaint : o Failure to provide written investigation results via USPS, as requested o Inaccuracies and missing required data fields under FCRA o Failure to delete unverifiable information o Other violations ( re-aging, duplicate charge-off, incorrect balance, etc. ) 5. FCRA Violations Cited : 607 ( b ), 611 ( a ) ( 1 ), 611 ( a ) ( 5 ), 611 ( a ) ( 6 ), 623 ( a ) ( 5 ) 6. Requested Relief : Permanent deletion of ALL these accounts from my Equifax credit file. 


XXXX XXXX XXXX XXXX ( Account Ending XXXX ) Nature of Complaint : o Inaccurate payment history : XX/XX/XXXX shows 30 days late on printed report, 60 days late online ( XX/XX/XXXX ). 
o Missing key dates : Date major delinquency first reported and Date of last activity not provided. 
o Reported last payment XX/XX/XXXX but no data for XX/XX/XXXX in payment history. 
o Disputed twice ( XX/XX/XXXX and XX/XX/XXXX ). No XXXX mailed results or updated credit report were ever received. 
o Violation of FCRA 611 ( a ) ( 6 ) for failing to provide results, and 607 ( b ) for not ensuring maximum accuracy. 


XXXX XXXX XXXX  ( Account Ending XXXX ) Nature of Complaint : o Date of First Delinquency ( DOFD ) = XX/XX/XXXX. Date Major Delinquency First Reported = XX/XX/XXXX. 
o This exceeds the 180-day timeframe required under FCRA 623 ( a ) ( 5 ).

o High credit amount inconsistently reported ( {$3300.00} Equifax vs. {$3000.00} at other bureaus ). 
o Chain of sale to Velocity Investments not documented ; no 1099-C provided for charged-off debt exceeding {$600.00}.

o No USPS mailed dispute results despite two rounds of certified letters. 





XXXX XXXX XXXX XXXX Account Ending XXXX ) Nature of Complaint : o Duplicate charge-off reporting in XX/XX/XXXX and XX/XX/XXXX, which is materially impossible. 
o Date Major Delinquency First Reported = XX/XX/XXXX, over 180 days after DOFD of XX/XX/XXXX. 
o Missing Date of Last Activity. 
o No 1099-C issued for {$640.00} charge-off, violating IRS 6050P and FCRA duty to report accurately.

o No written dispute results or updated report mailed after XX/XX/XXXX and XX/XX/XXXX disputes. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account Ending XXXX ) Nature of Complaint : o Equifax shows DOFD = XX/XX/XXXX, but Date Major Delinquency First Reported = XX/XX/XXXX ( over one year late ).

o Missing or inconsistent data on XXXX reports XXXX no DOFD/DFR provided ). 
o XXXX of assignment not documented between XXXX XXXXXXXX XXXX XXXX  XXXX XXXX. 
o No USPS-mailed results after disputes ; failure to provide evidence of accuracy. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account ) Nature of Complaint : o Reported in XX/XX/XXXX for {$1800.00} ( later {$2400.00} on XXXX ) with no notice from XXXX XXXX XXXX before XXXX. 
o No documentation validating balance accuracy or assignment of debt. 
o Missing key dates ( DOFD, delinquency first reported, charge-off date ). 
o No mailed response from Equifax despite dispute requests ; FCRA violations ongoing.

I am aware the credit bureaus have fine print declarations when you sign up for online portal/account access stating : You often agree to receive communications electronically ( email or secure online portal ).

This can include alerts, dispute results, and credit report updates.

Sometimes, the checkbox or clause is pre-selected, and many consumers do not notice it. 


Example clauses ( from credit bureau disclosures ) : XXXX : By creating an account, you consent to receive all notices and communications electronically this includes results of investigations and updated credit reports. 
TransUnion : Your consent to electronic delivery applies to all required communications unless you revoke it. 
Equifax : Similar wording in their Electronic Communication Agreement, stating that they may send results electronically in lieu of postal mail if you have an account.

Interaction with FCRA 611 FCRA 611 ( a ) ( 6 ) ( A ) requires written results, but electronic delivery can be considered written notice under the E-SIGN Act ( 15 U.S.C. 7001 ) if both conditions are met : 1. The consumer affirmatively consents to electronic communications.

2. The company provides clear disclosures of your rights to receive paper copies and how to withdraw consent.

HOWEVER because I : Never explicitly opted in to electronic-only delivery Specifically requested USPS mail in my dispute letters, then the bureau can not legally rely on email only to fulfill their FCRA obligations. 
Furthermore, Equifax did not send email dispute investigation results after XX/XX/XXXX anyway. 




What This Means for My Case Since I signed up online, you might argue I consented to e-communications or online account notification. 
However, my certified dispute letters supersede general e-consent because they are specific, written requests under FCRA. 
FCRA allows me to demand a paper copy of your updated report and dispute results ( even after creating an online account ) after a dispute ( 611 ( a ) ( 6 ) ( B ) ( ii ) ) bureaus must honor that request regardless of online account preferences.

Next Steps to Strengthen My Case I never explicitly waived my right to mailed results, and your dispute letters required postal delivery.

o Failure to comply violates 611 ( a ) ( 6 ) ( A ) - ( B ) regardless of online account settings.

o My request for USPS postal delivery of all dispute investigation results and updated credit reports supersedes Equifaxs attempts to argue that the results were provided to me.

o The 30-day timeframe required by law has elapsed for both disputes.

o No written notice of written results via postal delivery have ever been received as requested o Inaccuracies and inconsistencies are still harming my credit report since all incorrect information has not been fixed.

Company response to consumer: Closed with non-monetary relief