Consumer complaint received 2025-01-31 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: TX

Complaint narrative:
I previously submitted a CFPB complaint against Equifax regarding inaccurate accounts and personal information on my credit report. Equifax responded with a generic explanation of their dispute process but failed to provide a proper Method of Verification ( MOV ) or any actual evidence that my disputed accounts were properly verified. Additionally, Equifax conducted an improper investigation by failing to review the evidence I provided and simply marking inaccurate accounts as " verified '' without legitimate proof.

1. Failure to Provide a Proper Method of Verification ( MOV ) Violation of FCRA 611 ( a ) ( 7 ) Equifaxs response only provided a general statement about how they " review disputes '' but did not specifically state how they verified the accuracy of my accounts.

They did not disclose : Who they contacted to verify my accounts What documentation was used to verify the accounts How the disputed information was found to be accurate Under FCRA 611 ( a ) ( 7 ), Equifax is legally required to provide this information upon request. Since they failed to do so, they are in violation of the FCRA.

2. Failure to Ensure Maximum Possible Accuracy Violation of FCRA 607 ( b ) Equifax verified inaccurate and conflicting data that does not match XXXX and XXXX, meaning their verification process is unreliable. 
The disputed accounts contain inconsistencies such as : Different payment histories across credit bureaus Mismatched balances Conflicting Dates of First Delinquency ( DOFDs ) FCRA 607 ( b ) requires credit bureaus to maintain maximum possible accuracy in reporting. If an account is inconsistent across bureaus, it is not accurately verified and must be deleted.

3. Failure to Conduct a Proper Investigation Violation of FCRA 611 ( a ) ( 1 ) Equifax failed to conduct a reasonable investigation as required under the FCRA.

They did not review the supporting documents I submitted and instead rubber-stamped my disputes as verified without a legitimate investigation.

Simply contacting the furnisher and accepting their response without analyzing the accuracy of the data does not meet the standard of a proper investigation under the FCRA.

4. Failure to Delete Unverified Information Violation of FCRA 611 ( a ) ( 5 ) If a credit bureau can not properly verify an account, it must be deleted.

Instead of deleting these accounts, Equifax left them on my report and merely " updated '' certain information without proving their accuracy.

FCRA 611 ( a ) ( 5 ) requires deletion of any unverifiable information, which Equifax has failed to do.

5. Equifax Failed to Properly Update My Personal Information Equifax also refused to delete incorrect addresses and names from my credit report.

Despite providing them with documentation proving my correct personal information, they continue to report outdated and incorrect names and addresses, violating FCRA 609 ( a ) ( 1 ).

Recent CFPB Enforcement Actions Against Equifax Support My Case On XX/XX/year>, the CFPB fined Equifax {$15.00} million for failing to conduct proper investigations of consumer disputes, violating the FCRA.

The CFPB found that Equifax ignored consumer documents submitted with disputes, allowed previously deleted inaccuracies to reappear, provided confusing and conflicting dispute results, and used flawed software that led to inaccurate credit scores.

Equifaxs handling of my dispute follows the same pattern of unlawful behavior that the CFPB has already penalized them for.

Company response to consumer: Closed with non-monetary relief