Consumer complaint received 2025-02-05 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:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions Equifax consistently response within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of Investigation. 

This are the account that I've marked as inaccurate : XXXX XXXX  ( Revolving ) Accounts - negative accounts - closed - Summary Equifax XXXX, Charge-off XXXX XXXX, Charged off as bad debt XXXX XXXX, Unpaid balance reported as a loss by credit grantor Balance {$0.00} {$0.00} {$0.00XXXX XXXX XXXX XXXX XXXXXXXX ( Revolving ) Accounts - closed - Summary Equifax XXXX XXXX XXXX Pays account as agreed XXXX XXXX, XXXX XXXX or paying as agreed XXXX XXXX, XXXX Account paid satisfactorily Balance {$0.00} {$0.00} XXXX XXXX Agency Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections - summary Equifax XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX Collection account XXXX XXXX XXXX, XXXX Account Number XXXX Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department Current Balance {$550.00} {$550.00} {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections - summary Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Assigned XXXX XXXX, XXXX Equifax Unpaid Comments Consumer disputes this account information XXXX XXXX XXXX XXXX XXXX Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department Account Information Disputed By Consumer {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections - summary Account Number XXXXXXXX XXXX Original Lender Equifax Unpaid Consumer disputes this account information, Medical XXXX - XXXX Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department Account Information Disputed By Consumer {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Equifax Unpaid Consumer disputes this account information, Medical XXXX - XXXX Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department Account Information XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00}

Company response to consumer: Closed with non-monetary relief