Consumer complaint received 2025-08-11 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX XXXX, CA XXXX XXXX : XX/XX/XXXX SSN : * -- XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Rebuttal to Frivolous Dispute Determination Ongoing FCRA Violations and Deceptive Reporting Practices ________________________________________ To Whom It May Concern, This letter serves as a formal rebuttal to your recent correspondence dated XX/XX/XXXX, in which you improperly deemed my dispute frivolous under the Fair Credit Reporting Act ( FCRA ). I am also submitting this statement to the Consumer Financial Protection Bureau ( CFPB ) as a follow-up complaint documenting continued violations by Equifax. 
________________________________________ Background On XX/XX/XXXX, I filed CFPB Complaint # XXXX disputing the following accounts on my Equifax credit XXXX : XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX In your XX/XX/XXXX response to the CFPB, you claimed these items were not currently reporting on the Equifax credit file. 
However, my subsequent credit reports including those dated XX/XX/XXXX and XX/XX/XXXX clearly show these same accounts are still being reported under slightly altered names but with the same account numbers and derogatory statuses : XXXX ( # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXance ) ________________________________________ New and Relevant Information Your XX/XX/XXXX letter incorrectly states that my dispute is duplicative and lacks new relevant information. This is demonstrably false. The new information is that you have : Renamed disputed tradelines while retaining the same account numbers and derogatory reporting. 
Continued reporting data you previously told the CFPB was not reporting at all. 
Failed to delete unverifiable information as required under FCRA 611 ( a ) ( 5 ). 
These name changes are not minor they represent a deliberate tactic to circumvent prior deletions and restart the reporting cycle. This was not part of my original dispute evidence and constitutes new grounds for reinvestigation. 
________________________________________ Violations Your actions violate multiple provisions of the FCRA, including but not limited to : 15 U.S.C. 1681e ( b ) : Failure to maintain maximum possible accuracy.

15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation.

15 U.S.C. 1681i ( a ) ( 3 ) : Improperly classifying a dispute as frivolous despite submission of new relevant evidence.

15 U.S.C. 1681i ( a ) ( 5 ) : Failure to delete or correct information found to be inaccurate or unverifiable.

________________________________________ Demand for Corrective Action I demand the following : XXXX. Immediate deletion of the accounts listed above, along with all renamed or re-coded versions ( including but not limited to XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX. Written confirmation of the deletions within the statutory 30-day period.

3. A full explanation of why your prior CFPB response claimed these accounts were not reporting when they, in fact, were still present.

4. Documentation verifying the accounts if you believe them to be accurate, including original creditor contracts and account-level documentation per XXXX XXXX compliance standards. 
________________________________________ Next Steps If you fail to take corrective action, I will escalate this matter by : Requesting CFPB enforcement action for repeated and willful FCRA violations under 15 U.S.C. 1681n.

Exploring private legal remedies for damages caused by your continued negligent and willful misconduct. 
This is not a form letter and is based on current, documented facts. You are legally obligated to investigate based on the new relevant evidence provided. Any further refusal to address these issues will be considered bad-faith noncompliance. 
________________________________________ Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation