Consumer complaint received 2025-03-05 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX , GA XXXX Dear CFPB, I am writing to formally dispute inaccurate information currently being reported by EQUIFAX on my credit report. I have identified multiple inaccuracies reported by Equifax, and I have disputed these inaccuracies with no proper investigation or resolution from Equifax and demand Equifax to remove ALL incorrect information/inaccuracies for its failure to conduct proper investigations of consumer disputes. I have disputed the missed payments and late payments on this account and demand for these delinquencies to be removed from my credit report. The details are as follow : 1. XXXX XXXX XXXX Installment account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
o This account has been marked and noted as Pays account as agreed but Date of Last Activity and Date Reported are both reporting as XX/XX/XXXX, when this account has been fully paid and closed as of XXXX. Please REMOVE the inaccuracy of a late payment for XX/XX/XXXX and XX/XX/XXXX. Payment status has been confirmed as Pays Account as Agreed and should NOT reflect any late payments whatsoever. 

2. XXXX XXXX  account with account # XXXX opened on XX/XX/XXXX reporting delinquent inaccuracies on my credit report since XX/XX/XXXX. 
o I have identified an account that is reporting under an inaccurate name. The inaccurate entry is being reported as belonging to someone else or with a misspelling of my name. Below are the details of the disputed item : a. XXXX XXXX has been reporting late payments on this account for XXXX XXXX XXXX XXXX. Please be advised that based on my current credit report and my legal name of XXXX XXXX XXXX, ALL negative delinquencies reported on my credit file should be removed due to the inaccuracies being reported by XXXX, which is further bring reported by Equifax. I have contacted XXXX multiple times and requested a thorough investigation from Equifax to review this matter with no resolution from both parties. ANY/ALL delinquencies should be removed from this account as this is a violation of 15 U.S. C 1681e ( b ), which also supports the current lawsuit against Equifax. 

3. XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX o This has been verified and removed completely by XXXX due to the multiple inaccuracies being reported on my credit report. Again, Equifax has not completed their due diligence in thoroughly investigating this matter like XXXX has and continues to report multiple delinquencies under this account. Equifax is reporting a date of last activity and date reported as XX/XX/XXXX as well as a closed date of XX/XX/XXXX, which is further lengthening the amount of time this remains on my profile, when in fact this account has been paid and closed since XXXX. XXXX has conducted complete investigation of this account and fully removed all delinquencies, but Equifax continues to report inaccurate data such as timely payments being reported for XXXX and XX/XX/XXXX, when this account has been fully paid and closed since XXXX. ANY/ALL delinquencies should be removed from this account as this is a violation of 15 U.S. C 1681e ( b ), which also supports the current lawsuit against Equifax.

In accordance with the Fair Credit Reporting act. The above account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

15 U.S. C 1681n - Civil liability for willful noncompliance 15 U.S. C 1681e ( b ) - Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have identified multiple inaccuracies reported by Equifax, and I have disputed these inaccuracies and demand Equifax to remove ALL incorrect information/inaccuracies for its failure to conduct proper investigations of consumer disputes. I have dispute the missed payments and late payments on this account and demand for these delinquencies to be removed from my credit report.

Under the Fair Credit Reporting Act ( FCRA ), I request that Equifax promptly investigate and resolve this matter. I demand for any delinquencies to be removed IMMEDIATELY due to the companys failure to conduct a thorough investigation regarding my disputes as fully outlined in the CFPBs lawsuit against Equifax.

I appreciate your prompt attention to this matter and expect to hear back from you within the 30-day period required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief