Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XX/XX/year> Re : CFPB Complaint to Equifax : XXXX This letter serves as a formal rebuttal to Equifaxs generic and insufficient investigation results regarding the inaccurate accounts currently appearing on my consumer credit file. Equifaxs response does not satisfy their legal obligations under the Fair Credit Reporting Act ( FCRA ), specifically XXXX ( a ), XXXX ( b ), and XXXX ( a ) ( XXXX ). 

Equifaxs reply states that numerous tradelines were verified and/or updated, yet they failed to provide : Any actual description of the investigation performed Any method of verification Any documentation from furnishers Any explanation of what information was reviewed Any evidence that a reasonable investigation was conducted Instead, Equifax provided XXXX blanket copy-paste response without addressing the factual inaccuracies I disputed. That is a violation of federal law. 

XXXX. Equifaxs investigation relies solely on automated ACDV responses Their letter admits that Equifax merely electronically transmitted my dispute to furnishers and relied on their brief automated responses. This is not a reasonable investigation as required by FCRA XXXX. 
A furnisher simply clicking verified does not constitute legal verification. 
The FCRA requires Equifax, NOT the furnisher, to conduct an independent review. Their response proves they did not. 

XXXX. Equifax modified fields but failed to correct the underlying inaccuracies Equifax states that multiple fields were modified, such as : Closed Date Scheduled Payment Account History Past Due Amounts Payment Information Additional Information Updating fields does not resolve the factual inaccuracies I originally disputed. It only proves that Equifax and the furnishers were already reporting incorrect information and still failed to correct it completely. 
I am demanding a full reinvestigation, not partial cosmetic updates. 

XXXX. Equifax failed to provide the Method of Verification Per FCRA XXXX ( a ) ( XXXX ) ( B ) ( XXXX ), I am entitled to : " A description of the procedure used to determine the accuracy and completeness of the information ... '' XXXX response did not include : The method of verification The name of the individual at the furnisher who verified the information Any documents furnished The actual evidence used to verify the accounts Equifax is in direct violation of the FCRA by refusing to disclose this information. 

XXXX. Continued reporting of inaccurate information constitutes willful non-compliance I disputed ALL accounts with specific factual inaccuracies. Equifax failed to properly investigate and continues to report false information that is harming my creditworthiness. 
If necessary, I am prepared to pursue : Further CFPB escalation FTC complaint Attorney General complaint Civil action under FCRA XXXX and XXXX Both statutory and punitive damages will be sought. 

XXXX. Demand for XXXX XXXX You are hereby notified that Equifax must : XXXX. XXXX a new, reasonable reinvestigation that includes human review and actual verification documents. 
XXXX. Provide the complete XXXX of XXXX for each account. 
XXXX. Delete any tradelines that can not be verified with actual documentation, as required by FCRA XXXX ( a ) ( XXXX ) ( A ). 
If Equifax can not produce real evidence ( not codes, not automated ACDV responses, not unverifiable data ), then the accounts must be deleted. 

XXXX. Accounts Requiring Full Reinvestigation XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  ( both tradelines ) XXXX XXXX XXXX XXXX XXXX Services XXXX XXXX XXXX XXXX XXXX XXXX Each of these accounts contains factual inaccuracies that were ignored in Equifaxs investigation. 
If Equifax can not or will not provide evidence, CFPB is obligated by federal law to delete the disputed information. 

Failure to comply will result in : An additional CFPB complaint Notice to my state Attorney General Consideration of private civil action for damages under o FCRA XXXX ( willful noncompliance ) o FCRA XXXX ( negligent noncompliance ) This rebuttal serves as formal notice that Equifaxs previous response is legally insufficient. I expect a substantive, evidence supported reply, not a template response and full compliance with FCRA requirements. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief