Consumer complaint received 2025-02-16 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: MO

Complaint narrative:
Dear CFPB and Equifax FCRA 15 USC 1681 ( a ) ( 1 ) and ( 4 ) violation Equifax did knowingly and intentionally changed the lenders name on my credit report to avoid doing an investigation on the charge off for XXXX XXXX XXXX which is also known as XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, I reported to Equifax that there were inaccuracies on my XXXX XXXX XXXX XXXX They reported back 40 days later that they did not do an investigation because there was no XXXX XXXX XXXX ever on my account. Not only was this incorrect. It was determined that Equifax changed the name from XXXXXXXX XXXX XXXX XXXX and trust without notice to me. 
As a result of Equifax is changing the name from XXXX to Equifax I was denied a reasonable investigation. No investigation whatsoever was done. The fair credit reporting act allows for a 30 day investigation, but if not, it must be deleted. The account has not been deleted. 
Since I had not been informed of the name change by Equifax, I requested another investigation in XX/XX/XXXX and again Equifax failed to do any type of investigation for XXXX XXXX XXXX XXXX XXXX I waited on hold throughout the day around XX/XX/XXXX to find out no true investigation had been done on my account at all. Changing the names from XXXXXXXX XXXX XXXX XXXX XXXX  creates confusion and prevented a valid investigation. It is a scheme on the behalf of Equifax. 
Please notice the name of the XXXX account prior to the investigation and the name of the XXXX account and how it changed to XXXX XXXX XXXX  after the investigation. Please notice in the attachments that XXXX refers to my XXXX Account as XXXX XXXX XXXX XXXX XXXX Please notice the deletion of the XXXX  account from XXXX XXXX. Whereas Equifax claims that it didnt appear on my account which is false I am told the agents that conduct the investigations are offshore and dont talk to consumers, but they certainly shouldve known that XXXXXXXX XXXX XXXX XXXXXXXX is the same as XXXX. This department is not doing fair investigations, nor reasonable investigations that is commanded by the fair credit reporting act. They are simply changing the names and then report falsely to the customer that the item in question is not found on the account. They deceitfully change the name without ever notifying me. They have never done an investigation on the XXXX, XXXX XXXX and trust account and they pretended that the reason was that they couldnt find it even though they are the ones that changed the name from XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
15 USC 1681 ( i ) Congressional findings and statements of purpose ( a ) Accuracy and Fairness of Credit Reporting The Congress makes the following findings ( 1 ) The banking system is dependent upon fair and accurate and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system an unfair credit reporting methods undermined the public confidence which is essential to the continued functioning of the banking system.

( 4 ) There is a need to insure the credit reporting agencies exercise their grave responsibility with fairness and partiality and respect for the consumers right to privacy. 
Equifax has behaved unfairly by changing the name on my XXXX XXXX card account charge off from XXXXXXXX XXXX XXXX XXXX  and trust without notifying me which led to there being no investigation on my credit report within the 30 days allowed back in XX/XX/XXXX. This was brought to my attention by an Equifax agent on XX/XX/XXXX. Changing the name without notifying me is also against the FCRA and undermine the trust of the public. This is not fair or just. XXXX XXXX deleted the XXXX account rather than changing the name to avoid an investigation like what Equifax has done. I will be filing numerous more complaints regarding this fraudulent issue of changing the name of the lender on my account to avoid doing an investigation. 
I am demanding that it once the XXXXXXXX account charge off, which is also known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX be deleted at once

Company response to consumer: Closed with explanation