Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
To Whom It May Concern, I am submitting a formal complaint against Equifax for repeated violations of consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ). Equifax has failed to adequately investigate my disputes regarding inaccurate, negative, and unverifiable information on my credit report, resulting in significant financial and emotional harm. I am seeking the immediate deletion of these items and financial relief of {$5000.00} from the victims ' compensation fund as a remedy.

Background of the Complaint I have submitted multiple disputes to Equifax over the past several months, requesting the removal of inaccurate and unverifiable information from my credit report. Despite providing sufficient evidence, Equifax has failed to fulfill its obligations under the FCRA. Specifically : 1. Inaccurate Information Remains Uncorrected : o The disputed accounts include : ** [ XXXX  XXXX, Partial Account XXXX ] : This account was never late. yet it continues to report as delinquent. 
** [ XXXX XXXX XXXX, Partial Account XXXX ] : This account was never late and can not be verified, yet it remains on my report. 
2. Failure to Conduct a Reasonable Investigation : o Equifax has ignored the documentation I provided, including : Letters from creditors confirming errors. 
Bank statements and payment receipts. 
XXXX. Recurring Errors : o Some inaccuracies that were previously corrected have reappeared on my credit report, demonstrating a systemic failure to maintain accurate records. 
Timeline of Events [ XXXX ] : Filed initial dispute with Equifax regarding [ specific account ( s ) ]. 
[ XXXX ] : Submitted follow-up evidence to support my dispute, including [ specific documents ]. 
[ XXXX ] : Received incomplete or inadequate response from Equifax. 
[ XXXX ] : Errors reappeared on my credit report after being previously corrected. 
Despite following the proper dispute process, Equifax has failed to address my concerns within the FCRA-mandated 30-day timeline. 
Equifaxs actions ( and inactions ) constitute clear violations of the FCRA, including : XXXX. Failure to Investigate Disputes : o Under FCRA Section 15 U.S.C. 1681I, Equifax is required to investigate disputes within 30 days and delete or correct information that can not be verified. Equifax has failed to comply with this requirement in my case. 
2. Failure to Maintain Accurate Records : o The CFPBs recent lawsuit against Equifax ( XX/XX/XXXX ) highlights systemic failures in dispute handling and data accuracy. The findings revealed that Equifax : Ignored evidence provided by consumers. 
Allowed previously corrected inaccuracies to reappear on credit reports. 
Failed to delete unverifiable information. 
XXXX. Recurring Negligence : o Past legal actions, such as the XXXX Equifax data breach settlement, further demonstrate XXXX pattern of neglect and misconduct, which has harmed countless consumers, including myself. 
XXXX failures have caused significant financial and emotional harm, including : XXXX. Financial Loss : o Denied a mortgage loan in [ XXXX, XXXX ] due to inaccurate reporting. 
o Higher interest rates on credit products, costing me an estimated $ [ Amount ]. 
XXXX. Emotional Distress : o The ongoing stress and frustration caused by XXXX negligence have negatively impacted my mental health and overall well-being. 
XXXX. Continued Harm : o The unresolved inaccuracies continue to affect my credit score and financial opportunities. 
I respectfully request the CFPB to take the following actions on my behalf : 1. Immediate Deletion of Inaccurate and Unverifiable Information : o Require Equifax to comply with the FCRA and remove all inaccurate and unverifiable items from my credit report. 
2. Financial Relief of {$5000.00} : o Provide compensation from the victims relief fund to address the financial and emotional harm I have suffered. 
3. Enhanced Oversight of Equifax : o Ensure that Equifax implements corrective actions to prevent future violations and protect other consumers from similar harm. 
I am attaching the following documents to support my claims : Copies of my dispute letters to Equifax. 
Evidence provided to Equifax during my disputes ( e.g., account statements, receipts, and correspondence with creditors ). 
Credit reports showing the disputed inaccuracies. 
Documentation of financial harm ( e.g., denial letters, interest rate calculations ). 
Conclusion Equifax has demonstrated a repeated pattern of failing to comply with consumer protection laws, as evidenced by my personal experience and recent legal findings by the CFPB. I trust that the CFPB will take swift action to hold Equifax accountable, ensure the resolution of my disputes, and provide the financial relief I am seeking. 
Thank you for your attention to this matter. Please contact me if additional information or documentation is required. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey, XXXX

Company response to consumer: Closed with non-monetary relief