Consumer complaint received 2025-11-06 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: IL

Complaint narrative:
Response to Equifaxs XX/XX/XXXX 2025 CFPB Response CFPB Case No. : XXXX Complainant : XXXX XXXX Address XX/XX/XXXXXXXX, XXXX XXXX, IL XXXX Date : XX/XX/XXXX, 2025 I. Overview This document serves as a formal response to Equifaxs XX/XX/XXXX2025 reply, which closed my CFPB complaint with 'non-monetary relief. ' Equifaxs response was inadequate and failed to resolve ongoing violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX et seq. Equifax continues to report false and unverifiable information despite having received documented proof of identity theft and multiple lawful disputes. 
XXXX. Deficiencies in Equifaxs Investigation XXXX. Failure to Provide Method of Verification Under FCRA XXXX ( a ) ( XXXX ) ( B ) ( XXXX ), Equifax must provide the method of verification, including the name, address, and telephone number of any furnisher contacted. Equifax failed to disclose this information. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXXXX/XX/XXXXXXXX ) ). 
XXXX. Failure to Delete Identity Theft Accounts Equifax was required to block and delete fraudulent tradelines within XXXX business days after receiving an FTC Identity Theft Report under FCRA XXXX ( 15 U.S.C. XXXX ). The accounts remain, proving noncompliance. 
XXXX. Reliance on Automated Verification Equifaxs use of the e-Oscar system to automatically verify data does not constitute a reasonable reinvestigation under FCRA XXXX. ( XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX ( XXXXXX/XX/XXXXXXXX ) ). 
XXXX. Failure to Ensure Maximum Possible Accuracy FCRA XXXX ( b ) requires Equifax to ensure that all data reported is complete and accurate. Equifax has failed to validate or verify the alleged debts using original documents bearing the consumers signature. 
XXXX. Failure to Provide Full Consumer File Under FCRA XXXX ( a ), Equifax must provide all information in the consumers file, including internal records, notes, and verification sources. ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXX/XX/XXXX XXXX ) ). 
XXXX. Pattern of Delay and Discrimination Equifax has adopted a practice of closing or marking complaints as duplicate, thereby obstructing consumers rights to proper investigation, contrary to CFPB Regulation XXXX ( XX/XX/XXXXXXXX ). 
XXXX. Ongoing Harm As a result of Equifaxs failures, I continue to experience financial injury, including credit denials, housing rejections, and emotional distress. Equifaxs refusal to act has perpetuated the damage caused by fraudulent accounts and has interfered with my ability to obtain fair access to credit. 
XX/XX/XXXX Legal Basis for Relief Equifaxs conduct constitutes willful and negligent violations of the FCRA, including XXXX, XXXX ( b ), XXXX ( a ), and XXXX. In addition, its actions violate the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXX, and CFPB Regulation XXXX ( XXXXXX/XX/XXXXXXXX ), which require prompt correction and fair investigation of consumer disputes. 
XXXX Requested Relief XXXX. Immediate deletion of all fraudulent tradelines, including XXXX Card, XXXX, XXXX, XXXX Bank, and XXXX XXXX Bank. 
XXXX. Full disclosure of verification sources and method of verification for each tradeline. 
XXXX. A complete consumer file under FCRA XXXX ( a ). 
XXXX. Written certification of Equifaxs compliance with FCRA XXXX, XXXX ( b ), and XXXX. 
XXXX. Statutory, punitive, and actual damages under 15 U.S.C. XXXX and XXXX. 
XXXX. Referral of this matter for CFPB enforcement due to repeated noncompliance and systemic discrimination. 
XX/XX/XXXX Conclusion Equifaxs investigation is inadequate and fails to meet the legal standards imposed by the FCRA. I respectfully request immediate corrective action and continued CFPB oversight to ensure full compliance with federal law. 

Respectfully submitted, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with non-monetary relief