Consumer complaint received 2025-06-24 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: NV

Complaint narrative:
Subject : Formal Complaint Against Equifax for Failure to Conduct Proper Reinvestigation and Verify Disputed Information in Violation of FCRA 1681i and Nevada NRS 598C.160 Dear CFPB Representative, This complaint concerns Equifax Information Services LLCs willful and negligent noncompliance with the Fair Credit Reporting Act ( 15 U.S.C . 1681i et seq. ) and Nevada Revised Statutes 598C.160. Despite my formal dispute letter sent via Certified Mail on XX/XX/XXXX, Equifax failed to perform a good-faith reinvestigation and continues to report multiple derogatory accounts that are inaccurate, unverifiable, and damaging to my creditworthiness. 

Under 15 U.S.C. 1681i ( a ), Equifax is required to conduct a reasonable reinvestigation of disputed information. In XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ), the court emphasized that a consumer reporting agency can not merely parrot the information received from furnishers. Yet Equifax issued a perfunctory response stating only that these accounts " belong to me, '' without verifying the underlying obligation or providing any account-level documentation, in violation of 1681i ( a ) ( 4 ) - ( 6 ). Similarly, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ), confirmed that a superficial verification process fails to meet the standard of reasonableness. 

Further, Equifax is legally obligated to delete any information that can not be verified under both 1681i ( a ) ( 5 ) ( A ) and

NRS 598C.160 ( 2 ). Several of the items in dispute were merely " updated '' but not verified with substantiating evidence. This selective modification rather than full investigation is noncompliant with FCRA standards. Legal Violations 1. Failure to Disclose Verification Procedures : Under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), Equifax must provide a detailed description of the methods used to verify disputed information upon request. In my case, despite providing supporting documentation, Equifax did not disclose its verification process. 


2. Lack of Independent Investigation : As affirmed by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), a consumer reporting agency must conduct an independent and reasonable investigation into disputed information rather than relying solely on the furnishers certification. Equifaxs generic verified or updated outcomes indicate that no independent inquiry was performed. 

3. Continued Reporting of Unverified or Inaccurate Information : FCRA 1681i ( a ) ( 5 ) ( A ) requires that if the verification process does not yield substantiated evidence within the prescribed 30day period, the disputed items must be corrected or deleted. Many of the items in question remain on my credit report without an adequate evidentiary basis.

4. Violation of State Law : As a Nevada resident, I am entitled under NRS 598C.160 to receive complete investigatory records and explanations regarding disputed items. Equifaxs failure to provide this information constitutes a breach of state consumer protection provisions. 


Requested Relief : Instruct Equifax to delete all of the above accounts due to lack of proper verification and documented investigation., pursuant to 1681i ( a ) ( 5 ) ( A ) and NRS 598C.160 ( 2 ).

Require Equifax to disclose the specific reinvestigation methods and communications with furnishers, as required under FCRA 1681i ( a ) ( 7 ).

Review Equifax compliance policies under both federal and Nevada state law for potential systemic violations.

Attachments : Original dispute letter Certified mail receipt USPS return receipt Identification and proof of residency I respectfully request the CFPB to intervene and enforce the consumer protections afforded under federal and Nevada law. Equifaxs failure to comply not only harms my financial standing but undermines the integrity of the credit reporting system.

Company response to consumer: Closed with non-monetary relief