Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
CFPB Consumer Equifax Response * * COMPLAINT TRACKING : * * XXXX * * RESPONSE DATE : * * XX/XX/XXXX * * FEEDBACK : * * Unsatisfactory - Company Failed to Address Complaint EQUIFAX RESPONSE ANALYSIS * * What Equifax Did : * * Requested identity verification documents * * What Equifax FAILED To Do : * * Address ANY of the specific factual inaccuracies documented in my complaint about the XXXXXXXX XXXX issue SUBSTANTIVE ISSUES COMPLETELY IGNORED 1. Mathematical Impossibilities - * * Available Credit : * * Showing - {$430.00} ( impossible negative amount ) - * * Balance vs. Limit : * * {$1800.00} balance on {$1400.00} credit limit - * * Equifax Response : * * No acknowledgment or explanation 2. Account Number Discrepancies- * * Credit Report Shows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Notice Shows : * * Account ending in XXXXXXXX XXXX XXXX XXXX Equifax Response : * * Completely ignored this fundamental mismatch 3. Timeline Contradictions- * * Account Closed : * * XX/XX/XXXX ( per credit report ) - * * Charge-off Date : * * XX/XX/XXXX ( per collection notice ) - * * Impossibility : * * 3+ months activity after closure - * * Equifax Response : * * No investigation or explanation 4. Investigation Failures- * * Previous Dispute : * * File XXXX XXXX " verified as accurate '' - * * Supporting Evidence : * * Collection notice contradicts " verified '' information - * * Equifax Response : * * Ignored evidence of inadequate prior investigation WHY THIS RESPONSE IS INADEQUATE * * Identity Already Provided : * * My original CFPB complaint clearly shows my complete address ( XXXX XXXX XXXX XXXX XXXX, NY XXXX ) and included attached identification documentation XXXX XXXX XXXX XXXX ). Equifax 's request for identity verification is frivolous and demonstrates bad faith.

* * Evidence of Bad Faith : * * Equifax had my full identifying information from day one but chose to ignore substantive factual disputes by requesting documentation they already possessed. This is a deliberate deflection tactic.

* * Complete Information Available : * * My complaint included : - Full name and current address -
Phone number ( XXXX ) - Complete identification documents - Specific account details ( XXXX XXXX XXXX XXXX XXXX XXXX  ) - Supporting evidence ( XXXX  collection notice ) * * Systematic Avoidance : * * Rather than investigate documented mathematical impossibilities and account number discrepancies, Equifax chose procedural deflection despite having complete information.

* * FCRA Obligations : * * Under the Fair Credit Reporting Act, Equifax must investigate specific factual disputes, not deflect with procedural requirements.

EVIDENCE PROVIDED BUT IGNORED My original CFPB complaint included complete information : - * * Full Identity Details : * * Name, address ( XXXX XXXX XXXX XXXX XXXX, NY XXXX ), phone ( XXXX ) - * * Government ID & SSN : * * Attached documentation ( ID & XXXX, XXXX KB ) - * * Supporting Evidence : * * XXXX  collection notice ( Letter XXXX XXXX XXXXXXXX XXXX XXXX ) - * * Specific Account Information : * * Account # XXXXXXXX XXXX XXXX XXXX XXXX with detailed discrepancies - * * Mathematical Documentation : * * Impossible calculations and timeline contradictions * * Equifax Had Everything Needed : * * Complete identity verification AND substantive evidence of reporting violations * * Equifax Response : * * Completely ignored all evidence and requested already-provided documentation PATTERN OF BAD FAITH NON-COMPLIANCE This response demonstrates Equifax 's * * willful * * failure to : 1. * * Investigate despite complete information * *- Had all identity documents and evidence from original submission 2. * * Address specific factual inaccuracies * * when documented with supporting evidence 3. * * Comply with FCRA investigation requirements * * by using procedural deflection tactics 4. * * Respond substantively to consumer complaints * * with documented violations * * This Is Not Negligence- This Is Intentional Avoidance : * * Equifax deliberately chose to request already-provided documentation rather than address mathematical impossibilities, account number mismatches, and timeline contradictions that they can not explain or defend.

REQUESTED CFPB ACTION I request the CFPB : 1. * * Reject this inadequate response * * as failing to address the complaint 2. * * Require Equifax to address * * each specific factual inaccuracy documented 3. * * Investigate Equifax 's investigation practices * * for FCRA compliance 4. * * Take enforcement action * * for systematic non-compliance with consumer complaint requirements CONSIDERATION OF LEGAL REMEDIES Given Equifax 's pattern of bad faith responses and systematic non-compliance with FCRA investigation requirements, I am exploring legal remedies for their willful violations. Their refusal to address documented factual inaccuracies despite having complete information and evidence suggests intentional disregard for consumer rights under federal law.

This deflection response confirms Equifax 's unwillingness to address documented credit reporting violations and justifies both regulatory intervention and potential private legal action.

* * Status : * * Company response completely inadequate - regulatory action needed

Company response to consumer: Closed with explanation