Consumer complaint received 2025-03-12 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: MO

Complaint narrative:
I am writing to formally dispute inaccurate and inconsistent information on my credit report, specifically accounts reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have already been deleted by other credit reporting agencies, confirming that they are either inaccurate, unverifiable, or obsolete. Therefore, I demand their immediate removal from my report with your bureau. 

1. Violation of FCRA 1681e ( b ) Duty to Ensure Maximum Possible Accuracy Under 15 U.S.C. 1681e ( b ), credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy. Since one or more bureaus have already determined these accounts to be unverifiable or inaccurate, your bureau 's continued reporting of them is a direct violation of this federal requirement.

2. Violation of FCRA 1681i ( a ) ( 5 ) Requirement to Delete Unverifiable Information As stated in 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), when disputed information can not be verified, it must be deleted. Since other bureaus have already removed these accounts, your failure to do the same means that : You failed to properly reinvestigate the dispute, OR The accounts can not be verified, yet you continue reporting them.

If you can not substantiate the accuracy of these accounts with original, verifiable documentation within 30 days, you must delete them immediately. 

3. Violation of My Right to Privacy Gramm-Leach-Bliley Act ( GLBA ) & FCRA 1681b 15 U.S.C. 6801-6809 ( GLBA ) requires consumer financial information to be protected.

FCRA 1681b prohibits credit bureaus from obtaining and reporting personal financial information without a legally permissible purpose.

Because I have not provided consent for your bureau to collect or disclose my private financial information from unverified third-party sources ( such as data aggregators or public records vendors ), the continued reporting of these accounts constitutes an unauthorized disclosure. 

4. Duty to Notify Other Credit Bureaus FCRA 1681i ( a ) ( 2 ) When a disputed item is deleted by one credit bureau, the furnisher must notify all credit bureaus of the correction. Your continued reporting suggests : A failure to obtain updated information from the furnisher, or A lack of a reasonable reinvestigation process, as required under federal law.

5. Impact on My Creditworthiness & Potential Legal Action The continued presence of these accounts has directly harmed my ability to obtain credit and constitutes negligent and/or willful noncompliance under FCRA 1681n and 1681o. If these accounts are not deleted within 30 days, I will escalate my complaint as Equifax is in complete violation of the following : 1. Violation of FCRA 1681e ( b ) Duty to Report Accurate Information 15 U.S.C. 1681e ( b ) requires credit reporting agencies to " follow reasonable procedures to assure maximum possible accuracy '' of consumer reports.


If one bureau determined the information to be inaccurate or unverifiable and removed it, but another continues to report it, that raises questions about the reasonableness and accuracy of the reporting procedures.

2. Violation of FCRA 1681i ( a ) ( 5 ) Requirement to Delete Inaccurate or Unverifiable Information 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) states that if disputed information " can not be verified '' or is " found to be inaccurate '', it must be deleted from the consumer 's file within 30 days.

If one bureau deleted the information, it means it was either inaccurate or unverifiable. Any other bureau failing to remove the same data may be in violation of this section.

3. Violation of FCRA 1681i ( a ) ( 2 ) Duty to Notify Other Bureaus 15 U.S.C. 1681i ( a ) ( 2 ) requires credit bureaus to notify the source ( furnisher ) of the disputed information and provide all relevant details.

If one bureau removed the record, it suggests the furnisher failed to verify the information.

The non-complying bureau may be neglecting its duty to conduct an independent reinvestigation or failing to act on the results of the initial dispute.

4. Violation of FCRA 1681g ( a ) Right to Access Correct and Consistent Information Under 15 U.S.C. 1681g ( a ), consumers have the right to request and receive accurate and complete information from all credit bureaus.

Inconsistencies between credit reports could mean a bureau is violating your right to receive correct data.

Company response to consumer: Closed with non-monetary relief