Consumer complaint received 2025-08-04 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: MD

Complaint narrative:
I am writing to file a formal complaint against Equifax for its repeated failure to conduct a proper and thorough investigation into inaccurate, incomplete, and unverifiable information on my credit report, in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 

Despite my previous attempts to dispute these inaccuracies, Equifax has consistently provided inadequate responses, including claims of inability to locate my account or illegible documentation. This pattern of behavior demonstrates a systemic failure to comply with its legal obligations and has caused me significant distress and potential financial harm. 

On XX/XX/XXXX, I sent Equifax a detailed dispute letter ( copy attached ), outlining specific inaccuracies and demanding a comprehensive investigation and correction, with strict adherence to XXXX XXXX Format technical specifications. My demands were clear and directly referenced applicable sections of consumer law. Equifax 's failure to adequately address these concerns constitutes a direct violation of its duties as a consumer reporting agency. 

Summary of Equifax 's Violations and Specific Disputed Items ( as detailed in my attached letter ) : Failure to Conduct Reasonable Reinvestigation ( 15 U.S.C. 1681i ( a ) ( 1 ) & ( a ) ( 7 ) ) : Equifax has failed to conduct a reasonable reinvestigation of the disputed items and has not provided me with a detailed description of the investigation procedure, including the business name, address, and contact information of any furnisher of information contacted. My previous investigation results were unequivocally inadequate. 

Specific Example : Equifax has not provided sufficient details regarding the investigation of a XXXX XXXX via XXXX inquiry dated XX/XX/XXXX. I requested a comprehensive report of the investigation process and confirmation of proper XXXX XXXX reporting. 

Impact : This lack of transparency and detail prevents me from understanding how the accuracy of my report is being verified, hindering my ability to assert my rights. 

Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) : Equifax has failed to follow reasonable procedures to assure maximum possible accuracy of the information it reports. The presence of unverifiable or inaccurate information, including accounts I do not own and incorrect addresses, is direct evidence of this failure. 

Specific Examples : XXXX XXXX Account # XXXX : This debt is inaccurate and/or unverifiable. I demanded a thorough investigation, verifiable evidence of its accuracy, and validation of the debt pursuant to 15 U.S.C. 1692g. 

XXXX XXXX XXXX Account # XXXX : This account does not belong to me and its presence on my report indicates a critical failure to ensure accurate reporting. 

XXXX XXXX XXXX XXXX : This debt is inaccurate and/or unverifiable. I demanded an investigation, verifiable evidence of its accuracy, and validation of the debt pursuant to 15 U.S.C. 1692g. 

XXXX XXXX XXXX XXXX XXXX : This account does not belong to me and its presence on my report indicates a critical failure to ensure accurate reporting. 

Inaccurate Addresses : The addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are inaccurate and do not belong to me. 

Impact : Inaccurate information on my credit report can negatively affect my ability to obtain credit, housing, employment, and other financial opportunities. It also creates a false impression of my financial responsibility. 

Failure to Promptly Delete or Correct Inaccurate Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ) : Equifax has failed to promptly delete or correct information that can not be verified as accurate, or which has been determined to be inaccurate or incomplete after reinvestigation. My demands for removal of unverifiable information, particularly data not compliant with XXXX XXXX standards, have not been met. 

Impact : Continued reporting of inaccurate information prolongs the harm caused by Equifax 's non-compliance. 

Failure to Comply with Furnisher Requirements ( 15 U.S.C. 1681s-2 ) : While primarily a furnisher responsibility, Equifax, by accepting and continuing to report data that does not comply with XXXX XXXX XXXX or can not be verified, is failing in its duty to ensure the accuracy and integrity of consumer reports. My demands explicitly requested verification of XXXX XXXX compliance for all disputed items. 

Impact : Without proper XXXX XXXX compliance, the foundational data used for credit reporting is inherently unreliable. 

I have attached a copy of the tracking of my dispute letter along with the actually dispute letter.

Company response to consumer: Closed with non-monetary relief