Consumer complaint received 2025-02-06 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: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Failure of Equifax to Conduct Investigation and Violation of 15 USC 1681 EB and 15 USC 1681 I5 A Dear Sir/Madam, I am writing to formally file a complaint regarding Equifaxs failure to conduct a proper investigation into the disputes I raised and its violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 EB and 15 USC 1681 I5 A. Despite providing clear and compelling evidence that supports my claims, Equifax has not only neglected to investigate my dispute properly, but they have also ignored critical proof, thereby continuing to report inaccurate information on my credit file. 
Failure to Investigate : Under 15 USC 1681i ( a ), a consumer reporting agency like Equifax is required to investigate any dispute that a consumer files about the accuracy or completeness of information on their credit report. However, despite my efforts to provide all necessary documents, such as receipts, statements, and other supporting evidence, Equifax failed to conduct a timely or meaningful investigation. I have repeatedly reached out to Equifax and presented clear evidence to rectify the inaccuracies in my report, but they have either ignored my documentation or failed to take any corrective action.

Violation of 15 USC 1681e ( b ) : According to 15 USC 1681e ( b ), consumer reporting agencies must ensure that the information they report is accurate. Equifax has not met this requirement by allowing inaccurate information to remain on my credit report, even after I presented proof demonstrating the errors. As a result, my creditworthiness has been affected, and I have suffered financial harm. 
Unjustified Inaction and Continued Violations : Despite my repeated attempts to resolve this matter directly with Equifax, they have neither updated my credit report nor explained the steps they have taken to address the dispute. This lack of action on their part is a violation of my rights under the FCRA, and I am seeking assistance from the CFPB in ensuring that Equifax complies with the law and takes the necessary steps to correct these violations.

Resolution Requested : I respectfully request that the CFPB investigate my complaint and assist in ensuring that Equifax complies with the FCRA by conducting a thorough investigation of the disputed items, correcting any inaccuracies, and providing me with the results of such an investigation in a timely manner.

I have attached all relevant documents and correspondence with Equifax for your review. I trust that the CFPB will take appropriate action to hold Equifax accountable for its failure to comply with the provisions of the FCRA and its continued violations of consumer rights. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving this issue. 

I HAVE ENCLOSED INDISPUTABLE PROOF OF THEIR VIOLATIONS FOR THE FOLLOWING ACCOUNT : Bankruptcy Individual XXXX

Company response to consumer: Closed with explanation