Consumer complaint received 2025-05-20 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:
NEW CFPB COMPLAINT CONTINUED FCRA VIOLATIONS To Whom It May Concern, This is a formal complaint against Equifax Information Services LLC for continued and willful violations of the Fair Credit Reporting Act ( FCRA ), specifically Sections XXXX ( b ) and XXXX regarding the duty to maintain maximum accuracy and conduct reasonable reinvestigations. 
Reference to Previous Complaint I previously filed CFPB Complaint # XXXX on XX/XX/XXXX, in which I disputed the following XXXX accounts : XXXX ( Account # XXXX * * ) * * XXXX ( Account # XXXX * * ) * * In response to that complaint, Equifax claimed both accounts were " not currently reporting on the Equifax credit file. '' However, as of my most recent credit report dated XX/XX/XXXX, both accounts are still being reported under slightly renamed versions but with the same account numbers and derogatory statuses. 
This proves Equifax either renamed or re-coded the accounts in their system to appear different while continuing to report the same derogatory data. This is a deceptive practice that obstructs the dispute process and circumvents consumer protection laws. 
Evidence from Updated Credit Report The following accounts are still being reported on my Equifax file, all of which relate directly to either previously disputed items or newly renamed versions of the same : ________________________________________ XXXX ( Account # XXXX * * ) * * o Now appears as : XXXX XXXX XXXX Status : Charged Off / Collection o Balance : {$11000.00} o Last Reported : XX/XX/XXXX XXXX ( Account # XXXX * * ) * * o Now appears as : XXXX CARD o Status : Charged Off / Collection o Balance : {$4500.00} o Last Reported : XX/XX/XXXX These are the exact same accounts I previously disputed Equifax simply altered the naming format but kept the same account numbers and derogatory information active. 
Additional Accounts to Be Disputed in This Complaint In addition to the misrepresentation and non-removal of the above accounts, the following tradelines are now appearing on my Equifax credit report and are included in this complaint due to similar issues of relabeling and improper reporting : ________________________________________ XXXX  XXXX XXXX Appears as : XXXX XXXX XXXX o Charged Off, derogatory status, ongoing damage to credit file. 
XXXX XXXX o Appears as : XXXX XXXX XXXX o Ongoing reporting of installment debt with inconsistencies and XXXX XXXX violations. 
UXXXX XXXX  o Appears under multiple tradelines as : XXXX XXXX XXXX XXXX XXXX XXXX o Same account numbers, charged off, with reappearance under varying formats. 
XXXX Card Services o Still listed as : XXXX XXXX o Multiple tradelines reported under same origin account. 
XXXX XXXX o Still listed as : XXXX XXXX o Previously disputed, never removed, continues to report charged off. 
________________________________________ Summary of Violations Equifax falsely responded to CFPB Complaint # XXXX by stating accounts were not reporting, when they were merely renamed but still present. 
Equifax continues to relabel accounts under slightly modified names to avoid deletion and reinitiate reporting cycles. 
This amounts to deceptive and negligent reinvestigation, violating FCRA XXXX, which requires prompt deletion of unverifiable or inaccurate data. 
These actions are not only negligent but appear to be deliberate obfuscation of prior dispute history, impeding my rights as a consumer. 
Requested Action I request the CFPB to : XXXX. Investigate Equifax for deceptive relabeling of disputed accounts. 
XXXX. Require immediate deletion of all accounts listed above. 
XXXX. Order Equifax to produce documentation verifying these accounts if they claim validity including original creditor contracts and account-level documentation per XXXX XXXX XXXX. 
XXXX. Take enforcement action against Equifax for repeated FCRA violations. 
Sincerely, XXXX XXXX XXXX : XX/XX/XXXX SSN : * -- XXXX Address : XXXX XXXX XXXX XXXX Unit XXXX, XXXX XXXX, CA XXXX Phone : XXXX Email : XXXX NEW CFPB COMPLAINT CONTINUED FCRA VIOLATIONS To Whom It May Concern, This is a formal complaint against Equifax Information Services LLC for continued and willful violations of the Fair Credit Reporting Act ( FCRA ), specifically Sections XXXX ( b ) and XXXX regarding the duty to maintain maximum accuracy and conduct reasonable reinvestigations. 
Reference to Previous Complaint I previously filed CFPB Complaint # XXXX on XX/XX/XXXX, in which I disputed the following XXXX accounts : XXXX ( Account # XXXX * * ) * * XXXX ( Account # XXXX * * ) * * In response to that complaint, Equifax claimed both accounts were " not currently reporting on the Equifax credit file. '' However, as of my most recent credit report dated XX/XX/XXXX, both accounts are still being reported under slightly renamed versions but with the same account numbers and derogatory statuses. 
This proves Equifax either renamed or re-coded the accounts in their system to appear different while continuing to report the same derogatory data. This is a deceptive practice that obstructs the dispute process and circumvents consumer protection laws. 
Evidence from Updated Credit Report The following accounts are still being reported on my Equifax file, all of which relate directly to either previously disputed items or newly renamed versions of the same : ________________________________________ XXXX ( Account # XXXX * * ) * * o Now appears as : XXXX XXXX XXXX Status : Charged Off / Collection o Balance : {$11000.00} o Last Reported : XX/XX/XXXX XXXX  ( Account # XXXX * * ) * * o Now appears as : XXXX CARD o Status : Charged Off / Collection o Balance : {$4500.00} o Last Reported : XX/XX/XXXX These are the exact same accounts I previously disputed Equifax simply altered the naming format but kept the same account numbers and derogatory information active. 
Additional Accounts to Be Disputed in This Complaint In addition to the misrepresentation and non-removal of the above accounts, the following tradelines are now appearing on my Equifax credit report and are included in this complaint due to similar issues of relabeling and improper reporting : ________________________________________ XXXX  XXXX XXXX Appears as : XXXX XXXX XXXX  o Charged Off, derogatory status, ongoing damage to credit file. 
XXXX XXXX o Appears as : XXXX XXXX XXXX o Ongoing reporting of installment debt with inconsistencies and XXXX XXXX violations. 
XXXX XXXX o Appears under multiple tradelines as : XXXX XXXX XXXX XXXX XXXX XXXX o Same account numbers, charged off, with reappearance under varying formats. 
XXXX Card Services o Still listed as : XXXXXXXX XXXX o Multiple tradelines reported under same origin account. 
XXXX XXXX o Still listed as : XXXX XXXX o Previously disputed, never removed, continues to report charged off. 
________________________________________ Summary of Violations Equifax falsely responded to CFPB Complaint # XXXX by stating accounts were not reporting, when they were merely renamed but still present. 
Equifax continues to relabel accounts under slightly modified names to avoid deletion and reinitiate reporting cycles. 
This amounts to deceptive and negligent reinvestigation, violating FCRA XXXX, which requires prompt deletion of unverifiable or inaccurate data. 
These actions are not only negligent but appear to be deliberate obfuscation of prior dispute history, impeding my rights as a consumer. 
Requested Action I request the CFPB to : XXXX. Investigate Equifax for deceptive relabeling of disputed accounts. 
XXXX. Require immediate deletion of all accounts listed above. 
XXXX. Order Equifax to produce documentation verifying these accounts if they claim validity including original creditor contracts and account-level documentation per XXXX XXXX XXXX. 
XXXX. Take enforcement action against Equifax for repeated FCRA violations. 
Sincerely, XXXX XXXX XXXX : XX/XX/XXXX SSN : * -- XXXX Address : XXXX XXXX XXXX XXXX Unit XXXX, XXXX XXXX, CA XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief