Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
To Whom It May Concern : I am filing this complaint against the credit bureau due to its repeated failure to comply with the Fair Credit Reporting Act ( FCRA ) regarding inaccuracies in my credit report. I have submitted multiple dispute letters addressing inaccurate information, specifically citing violations of FCRA Section 611 ( 15 U.S.C. XXXX ) and Metro 2 compliance standards. Despite my detailed submissions, the credit bureau has continuously dismissed my disputes without properly investigating the issues, as evidenced by its generic responses attached to this complaint. 

Details of Dispute : Failure to Conduct a Reasonable Investigation : Under FCRA XXXXi ( a ) ( 1 ) ( A ), the credit bureau is required to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report. My letters outlined specific inaccuracies related to accounts from XXXX XXXX XXXX ( Account # : XXXX ) and XXXX XXXX ( Account # : XXXX ), including incorrect status information and balances. The credit bureaus response indicates that no meaningful investigation was conducted, violating my rights under this section. 

Use of Generic, Non-Responsive Letters : The repeated issuance of form letters dismissing my disputes violates FCRA XXXXi ( a ) ( 2 ), which requires that disputes be handled individually and thoroughly. This pattern suggests non-compliance with required dispute handling procedures and an unwillingness to properly address consumer concerns. 

Failure to Provide Verification and Documentation : As outlined in FCRA XXXX, the credit bureau must maintain accurate information and provide supporting documentation when requested. Despite multiple requests for verification of the disputed accounts, including proof of the alleged debts, the bureau has failed to provide any supporting documentation or evidence. 

Continued Reporting of Inaccurate Information : The accounts in question continue to be reported inaccurately, despite clear evidence to the contrary. This persistent reporting of erroneous information violates FCRA XXXX ( b ), which mandates the highest standards of accuracy in credit reporting. 

Requested Resolution : Immediate removal of the inaccurate accounts from my credit report. 
A full explanation and documentation regarding the investigation process into my disputes. 
Compliance with FCRA and Metro 2 data standards for accurate credit reporting. 
A formal acknowledgment of these violations and corrective measures to prevent future issues. 
Supporting Documents : I have attached copies of : My original dispute letters were sent to the credit bureau. 
The generic and dismissive responses received. 
The failure to comply with the FCRA not only undermines my creditworthiness but also represents a broader issue of neglecting consumer rights. I urge the CFPB to investigate this matter thoroughly and ensure that the credit bureau adheres to its legal obligations under federal law.

Company response to consumer: Closed with non-monetary relief