Consumer complaint received 2025-01-20 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: CA

Complaint narrative:
Dear CFPB, I am writing to follow up on my dispute filed on XX/XX/year>, under CFPB Case Number XXXX, regarding inaccuracies on my credit report. Despite my initial complaint, the following accounts remain unresolved and continue to negatively affect my credit standing. I request further action to ensure compliance with the Fair Credit Reporting Act ( FCRA ). 

Accounts in Dispute National Credit Adjusters ( Account Number : XXXX ) This account does not belong to me. 
XXXX XXXX XXXX has failed to provide the original contract bearing my wet signature or valid identification, as required under the FCRA. 
Furthermore, this account has been removed from my credit report multiple times but keeps reappearing, constituting an ongoing violation of my credit reporting rights. 
Violations : 1681i Reinvestigation of Disputed Information : Repeatedly allowing a previously removed, unverifiable account to reappear violates this provision. 
1681e ( b ) Accuracy of Information : The reappearance of this unverifiable account demonstrates noncompliance with the requirement to ensure maximum possible accuracy. 

XXXX XXXX XXXX XXXX ( Account Numbers : XXXX and XXXX ) This creditor is listed twice on my credit report under XXXX different account numbers. 
The duplication is misleading and constitutes inaccurate reporting. 
Additionally, XXXX XXXX XXXX  has failed to provide the original contract or supporting documentation to substantiate these entries. 
Violations : 1681e ( b ) Accuracy of Information : Listing the same creditor twice under different account numbers violates the requirement to ensure maximum possible accuracy in reporting.

1681i Reinvestigation of Disputed Information : No adequate reinvestigation has been conducted to verify the legitimacy of these accounts.

Requested Resolution I request the following actions : Immediate removal of the XXXX XXXX XXXX account from my credit report. 
Removal of the XXXX XXXX Bank SS accounts to accurately reflect my financial obligations. 
A thorough reinvestigation of all disputed items to ensure compliance with the FCRA. 
Written confirmation of the steps taken to resolve these matters and prevent future inaccuracies. 
Supporting Documentation I have enclosed the following to support my claims : A copy of my original dispute filed on XX/XX/year>. 
The response from the CFPB or relevant entities ( if applicable ). 
A copy of my credit report highlighting the disputed accounts. 
Any additional supporting evidence. 
These inaccuracies continue to cause harm to my financial standing and emotional well-being. I urge the CFPB to address these matters promptly and ensure that my rights under the FCRA are upheld. If these issues are not resolved, I will explore further legal remedies to protect my credit and consumer rights. 

Thank you for your attention to this matter. If additional information is required, please contact me at XXXX or XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief