Consumer complaint received 2025-01-15 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: NY

Complaint narrative:
Summary of Complaint : I am filing this formal complaint against Equifax regarding their repeated failure to investigate and resolve inaccuracies on my credit report concerning the XXXX XXXX XXXX account ( # XXXX ). Equifax 's actions violate multiple provisions of the Fair Credit Reporting Act ( FCRA ), including 1681c ( a ), 1681e ( b ), and 1681i, causing significant harm to my creditworthiness. Despite submitting all required documentation, I continue to receive contradictory responses, and no substantive action has been taken to correct the errors. 

XXXX XXXX and FCRA Violations XXXX. Inconsistent Reporting of the Delinquency First Reported ( FCRA 1681c ( a ) and 1681e ( b ) ) The Delinquency First reported ( DFR ) for this account has been inconsistently reported across Equifax reports : In XX/XX/XXXX, the XXXX was reported as XX/XX/XXXX. 
In XXXX and XX/XX/XXXX, the XXXX was changed to XXXX, XXXX. 
This arbitrary change improperly extends the reporting period for adverse information beyond the permissible seven-year limit under FCRA 1681c ( a ). Additionally, it violates FCRA 1681e ( b ), which mandates that consumer reporting agencies adopt reasonable procedures to ensure maximum possible accuracy. These discrepancies are not only misleading but also injurious to my creditworthiness. 

XXXX. Recurring XXXX of XXXX ( FCRA 1681c ( a ) ) The repossession on this account is being reported as a recurring monthly event from the original delinquency in XXXX through XX/XX/XXXX. Under FCRA 1681c ( a ), repossessions should only be reported as a single historical event, not as recurring monthly events. This misrepresentation artificially inflates the severity of my credit history and misleads lenders. 

XXXX. Failure to Conduct a Proper Investigation ( FCRA XXXX ) I have repeatedly disputed this account, providing notarized copies of identification documents ( State ID, Social Security Card, and Bank Statement ) and evidence highlighting the inaccuracies. Despite this, Equifax has failed to conduct a proper investigation, as required under FCRA 1681i. 

Certified Mail Sent on XX/XX/XXXX : Equifax received my notarized dispute with all requested documents. 

Conflicting Responses Received on XX/XX/XXXX : XXXX letter claimed the dispute was frivolous because I had previously disputed the account. 
Another letter stated my identification documents were illegible, preventing processing. 
Follow-Up Submission on XX/XX/XXXX : I sent a second certified mail with clear copies of all required documentation and requested a reinvestigation. Tracking confirms Equifax received this submission, but no resolution has been provided. 

These actions demonstrate XXXX bad-faith handling of my dispute and failure to fulfill its statutory obligations under the FCRA. 

XXXX XXXX XXXX inaccurate reporting, arbitrary DOFD changes, and repeated failure to investigate have caused : Significant harm to my creditworthiness, including difficulty securing credit. 
Emotional distress from the mishandling of my dispute and the contradictory responses provided. 
Potential financial loss from inflated interest rates and missed financial opportunities due to the misrepresented severity of my credit report. 
Requested Resolution Immediate Correction of Inaccuracies : Correct the Delinquency first reported ( DFR ) to reflect the accurate date and prevent improper extensions of the reporting period. 
Ensure the repossession is reported as a single historical event, not as recurring monthly events. 
Substantive Investigation of My Dispute : XXXX a proper investigation into this account and provide a detailed explanation of the steps taken and the evidence used to verify the account. 
XXXX of Future Errors : Improve internal dispute-handling procedures to ensure compliance with FCRA requirements, including proper investigation and accurate reporting. 
Updated Credit Report : Provide me with an updated copy of my corrected credit report. 
Compensation for Damages : As permitted under the FCRA, I request compensation for the harm caused by XXXX repeated violations of the law. 
Supporting Documentation Certified mail receipts confirming XXXX receipt of my disputes ( XX/XX/XXXX, and XX/XX/XXXX ). 
Copies of the conflicting letters from Equifax dated XX/XX/XXXX. 
Highlighted credit reports showing discrepancies in the XXXX XXXX reported ( XXXX ) and the recurring reporting of repossession. 
Notarized copies of my State ID, Social Security Card, and Bank Statement. 
Prior CFPB complaints ( XXXX : XXXX, XXXX, XXXX ), CFPB Complaint ID XXXX ( XX/XX/XXXX ) : I submitted this complaint regarding inaccuracies on my credit report, specifically highlighting issues with the XXXX XXXX SVCS account. Equifax responded by claiming that the account information was accurate without addressing the specific inaccuracies I raised. 
CFPB Complaint ID XXXX ( XX/XX/XXXX ) : I filed this complaint requesting a re-investigation of the same account due to persistent inaccuracies, including improper reporting of repossession as a recurring event and DOFD inconsistencies. Equifax modified some fields but failed to address the core issue or comply with FCRA reporting guidelines. 
CFPB Complaint ID XXXX ( XX/XX/XXXX ) : I escalated the complaint to emphasize violations of FCRA 1681c ( a ), 1681e ( b ), and 1681i. Despite submitting supporting documentation, Equifax failed to correct the inaccuracies and instead reiterated prior conclusions without a substantive investigation. a pattern of mishandling by Equifax. 
Conclusion Equifaxs mishandling of this dispute demonstrates a clear pattern of negligence and violations of the Fair Credit Reporting Act. I am requesting the CFPBs immediate intervention to ensure compliance with the law and to rectify these issues. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX EMail : XXXX Phone Number : XXXX

Company response to consumer: Closed with non-monetary relief