Consumer complaint received 2025-01-30 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX CFPB FOR YOUR REVIEW XX/XX/year> Consumer Financial Protection Bureau Federal Trade Commission XXXX XXXX XXXX ] Washington XXXX DC To Whom It May Concern, Subject : Request for Investigation into Credit Reporting Practices : I am writing to formally request an investigation into the credit reporting practices of XXXX, Equifax, and XXXX regarding my credit report. My correct name is XXXX XXXX XXXX, and I have encountered ongoing issues with the accuracy of my credit information. 

On XX/XX/year>, I received correspondence from XXXX XXXX XXXX, confirming that they had corrected my name to XXXX XXXX XXXX in their records and reported this correction to the three major credit bureaus. Despite this confirmation, my credit report continues to reflect an incorrect and they still have not reinstated my XXXX XXXX account on my credit report, which negatively impacts my creditworthiness. 

XXXX XXXX indicated that there was confusion regarding the name I provided, as I had submitted both " XXXX XXXX XXXX '' and " XXXX XXXX XXXX. '' They have since confirmed that " XXXX XXXX XXXX '' is the correct name and updated their records accordingly. However, as of today, I have not seen any changes reflected in my credit reports from XXXX, Equifax, or XXXX. 

Although XXXX XXXX stated that the updates would take 30-45 days to reflect, this timeframe has elapsed without any adjustments to my reports. I am concerned about the impact this ongoing inaccuracy may have on my ability to obtain credit and other financial opportunities. 

I kindly request that the CFPB and FTC investigate this matter to ensure that XXXX, Equifax, and XXXX are complying with credit reporting regulations and that my credit information is accurately represented. It is essential for consumers to have accurate credit reports, and I appreciate your immediate attention to this issue. 

Thank you for your assistance. I look forward to your response. 

Sincerely, I am submitting this statement to address the ongoing and unacceptable practices of Equifax and XXXX in relation to my credit report, specifically concerning my XXXX XXXX account. Despite previous actions taken by the Consumer Financial Protection Bureau ( CFPB ), the issues persist. 

On XX/XX/year>, I received confirmation from XXXX XXXX XXXX  that they had corrected my name to XXXX XXXX XXXX in their records and reported this correction to both Equifax and XXXX. However, neither bureau has accurately updated my credit report to reflect this correction, and my XXXX XXXX account remains missing. 

Equifax has previously been ordered by the CFPB to pay {$15.00} XXXX for failing to conduct adequate investigations of disputed information in credit reports. This demonstrates a clear pattern of negligence in their credit reporting practices. Similarly, the CFPB has sued XXXX for conducting sham investigations into credit report errors, which seriously threatens consumers ' access to credit, employment, and housing. 

Despite my efforts to resolve these issues, the inaccuracies in my credit report continue to negatively impact my financial opportunities, reflecting a systemic failure within both Equifax and XXXX to comply with credit reporting regulations. Immediate action is required to rectify these ongoing problems.

Company response to consumer: Closed with explanation