Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am filing this complaint against Equifax for failing to respond to my dispute letters dated XX/XX/year>, XX/XX/year>, and XX/XX/year>, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires consumer reporting agencies to conduct a reasonable reinvestigation of disputed information within 30 days of receipt. 
Background and Disputed Items On XX/XX/year>, I mailed a dispute letter to Equifax regarding several inaccurate negative accounts and a bankruptcy entry appearing on my credit report. In this letter, I requested a full investigation and asked Equifax to provide verification of these items. To confirm my identity, I enclosed copies of my government-issued ID, Social Security card , and proof of address. 
The disputed items included, but were not limited to : XXXX - Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is reported inaccurately, and Equifax has failed to provide verification or correct the errors. 
XXXX - Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX This account is also reported inaccurately, with no evidence of proper verification provided. 
XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX  : This account is also reported inaccurately, with no evidence of proper verification provided. 
XXXX XXXX - Account Number XXXXXXXX XXXX XXXX XXXX XXXX  : This account is also reported inaccurately, with no evidence of proper verification provided. 
XXXX XXXX  - Account Number XXXXXXXX XXXX XXXX XXXX XXXX  : This account is also reported inaccurately, with no evidence of proper verification provided. 
XXXX XXXX  - Account Number XXXXXXXX XXXX XXXX XXXX XXXX  : This account is also reported inaccurately, with no evidence of proper verification provided. 
XXXX XXXX - Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX  : This account is also reported inaccurately, with no evidence of proper verification provided. 
XXXX XXXX - Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX : This account is also reported inaccurately, with no evidence of proper verification provided. 
XXXX XXXX. - Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX  : This account is also reported inaccurately, with no evidence of proper verification provided. 
XXXXXXXX XXXX  - Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX : This account is also reported inaccurately, with no evidence of proper verification provided. 
XXXX XXXX - Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX  : This account is also reported inaccurately, with no evidence of proper verification provided. 
Bankruptcy Reporting : Federal Reference Number : XXXX, Court Name : XXXX XXXX This entry is incomplete and lacks verification details. 

Continued Violations When I received no response, I mailed a second dispute on XX/XX/year>, and a third dispute on XX/XX/year>. To XXXX XXXX, XXXX has not provided investigation results or evidence of a reinvestigation. This failure constitutes a direct violation of FCRA 1681i, which mandates that Equifax conduct and complete a reinvestigation within 30 days. 
Equifaxs refusal to address my disputes has caused significant harm, including : Ongoing damage to my credit score Loss of financial opportunities Emotional distress from prolonged inaccuracy Continued reporting of unverifiable, inaccurate information Due to Equifaxs failure to comply with FCRA requirements, I am demanding the permanent removal of the disputed items below on my credit report ONEMAIN - XXXXXXXX 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, Public Record - Reference Number : XXXX ( Court name : XXXX XXXX ) from my credit report.

Company response to consumer: Closed with explanation