Consumer complaint received 2025-12-29 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: AL

Complaint narrative:
Formal Notice of Sham Investigation and Continued FCRA Noncompliance To : XXXX XXXX XXXX XXXX XXXX., XXXX XXXX, Equifax Information Services LLC, This letter serves as formal notice of your continued failure to comply with the Fair Credit Reporting Act ( FCRA ) and your engagement in what constitutes a sham investigation in response to my prior disputes. 
Despite my submission of clear, detailed disputes supported by documentation, you failed to conduct a reasonable reinvestigation as mandated by 15 U.S.C. 1681i ( a ) ( 1 ). Instead of performing an independent and good-faith review, you relied on automated responses and unverifiable furnisher confirmations, while disregarding the evidence I provided. Such conduct does not satisfy the statutory standard of reasonableness and materially misrepresents the results of your so-called investigation. 
Your ongoing violations include, but are not limited to, the following : Misrepresentation of credit scores and creditworthiness, caused by the continued reporting of inaccurate, incomplete, and unverifiable data. 
Refusal to properly reinvestigate disputed public records and account information, despite receiving documentation that directly contradicts the data being reported. 
Ignoring and failing to consider supporting documentation, submitted with my disputes, in direct violation of your reinvestigation obligations. 
Incorrect reporting of personal and contact information, including inaccurate account summaries and collection details. 
Continued reporting of collection accounts that remain inaccurate, incomplete, or unverifiable, resulting in ongoing consumer harm. 
Under 15 U.S.C. 1681a ( 6 ) ( B ) ( iii ), information that can not be verified after a reasonable reinvestigation does not meet the definition of permissible consumer report information and must not be reported. Additionally, 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) requires that information found to be inaccurate, incomplete, or unverifiable be promptly deleted or corrected and prohibits reinsertion without proper certification and notice. 
The following accounts were not properly reinvestigated and remain inaccurately reported : CB Indigo Account ending in XXXX Portfolio Recovery Account ending in XXXX XXXX XXXX  Account ending in XXXX XXXX XXXX XXXX  Account ending in XXXX XXXX XXXXy Account ending in XXXX XXXX Funding Account ending in XXXX XXXX XXXX  Account ending in XXXX Your continued reporting of these accounts, despite documented disputes and evidentiary support, demonstrates a reckless disregard for the accuracy, completeness, and verification requirements imposed by the FCRA. 
This correspondence constitutes a final demand that you immediately delete or correct the inaccurate information identified above and provide written confirmation of the actions taken. Failure to comply will leave me no alternative but to pursue all available remedies, including regulatory complaints and enforcement actions for willful and negligent noncompliance. 
This matter should be treated with the seriousness it warrants. 
Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation