Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Consumer Protection Bureau Complaint Against : Equifax I am writing to formally file a complaint against Equifax regarding their continued reporting of inaccurate and unverifiable information on my credit report.

Despite receiving all necessary documents, disputes, affidavits, proof of domiciling, and identity, you continue to report these accounts as verified. XXXX and XXXX, after conducting their own investigations, determined these items were unverified and subsequently removed them from my credit report. Your claim that the disputed items are verified is inconsistent and raises significant questions about your processes and compliance with FCRA. This claim is troubling inconsistent as it is impossible for two agencies to determine the information as unverifiable while Equifax states otherwise.

Under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable investigation of any disputed information.

15 U.S.C. 1681e ( b ) mandates credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy.

Two other credit reporting agencies have removed the disputed items, indicating the information could not be validated. This strongly suggests that Equifax has failed to meet its obligations under the FCRA by continuing to report unverifiable and inaccurate information. 
Additionally, Equifax is reporting late payments on certain accounts, which I believe to be incorrect. Under 15 U.S.C. 1681s-2 ( a ), furnishers of information are required to provide accurate and verifiable information. Furthermore, under the Fair Credit Billing Act ( FCBA ), specifically 15 U.S.C. 1666c, creditors are prohibited from reporting late payments related to a billing error dispute while the dispute remains unresolved. 
This complaint also involves accounts and collections on my credit report that are the result of identity fraud. Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), I request the immediate blocking of this fraudulent information from my credit file within four business days of your receipt of this complaint. The fraudulent accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Request for Resolution ( Demand for Relief ) : Immediate Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I demand that XXXX blocks all fraudulent accounts and collections identified above from my credit report within four business days of receiving this complaint.

Verification or Deletion of Disputed Items If the accounts and items can not be properly verified under 15 U.S.C. 1681i, they must be deleted immediately per FCRA 611 ( 15 U.S.C. 1681i ( 5 ) ( A ) ). 
Adherence to Metro 2 Compliance Standards As part of Metro 2 compliance, Equifax is required to ensure the accurate reporting and proper validation of information. Failure to do so constitutes a violation of both FCRA and industry compliance standards.

Removal of Late Payment Entries Any inaccurate late payment entries, especially those tied to disputes, must be removed in accordance with 15 U.S.C. 1666c and 15 U.S.C. 1681s-2 ( a ).

Provision of Verification Documentation Equifax must provide all documents, records, and evidence used to verify the disputed accounts, including the name, address, and contact details of the individual resp ( a ) ( 6 ).

Equifaxs actions are causing harm, distress, and injury to my mental and emotional well-being, as well as damaging my creditworthiness. By failing to adhere to the laws and not validating or removing these disputed and fraudulent items, XXXX remains in violation of federal regulations. 
I respectfully request that the CFPB investigate this matter and hold Equifax accountable for their obligations under the FCRA.

Company response to consumer: Closed with non-monetary relief