Consumer complaint received 2025-03-07 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:
Equifax has failed to accurately investigate disputes and review supporting documents, marking disputes as resolved and information verified without actually completing an investigation. Despite creditors providing Equifax with documentation to remove accounts from my credit file and me providing proof of this documentation, Equifax continues to falsely advise they have investigated disputes and contacted creditors, confirming accounts are reporting accurately, which contradicts statements and documentation from creditors they are claiming to have contacted. I have XXXX accounts on my Equifax credit report that are reporting inaccurately and Equifax continues to make false statements, advising they have investigated, contacted creditors and the information is reporting accurately when the accounts are not. One collection account is with XXXX XXXX  that was paid in full on XXXX, in exchange for deletion. This company provided documentation of pay for delete and advised they have sent documentation to Equifax to request tradeline be deleted. But on XXXX, Equifax sent investigation results advising this has been investigated, the creditor was contacted and this information, the account reporting in collections is an unpaid debt. I contacted Equifax on XXXX to get details on these investigation results, when I advised the representative that I contacted the creditor on XXXX and the credit confirmed they did not advised Equifax that the debt was unpaid, the representative disconnected the call. These investigation results confirm that Equifax did not do their due diligence in investigating this account. The second account is with XXXX XXXX that was paid for deletion, this creditor also sent written documentation to all XXXX credit agencies, this item has been deleted from my other XXXX credit reports. Equifax did not delete the item, they simply closed the account and allowed it to remain on my credit report, despite me providing documentation of payment and requesting the account be deleted, per my agreement with the creditor. The third account is with XXXX XXXX, in which the company advised they were ceasing collection actions and sending a request to all credit agencies to have this item removed from my credit report within 30 days. This letter was sent to all credit agencies in XX/XX/year> and has been deleted from my other XXXX credit reports, but remains on my Equifax credit report as a " closed '' account. Again, I have provided Equifax with documentation that this account should be deleted and they have refused to do so. Despite creditors providing Equifax with documentation to remove these accounts from my credit file and me providing proof of this documentation, Equifax continues to falsely advise they have investigated disputes and contacted creditors, confirming accounts are reporting accurately when they are not.

Company response to consumer: Closed with explanation