Consumer complaint received 2025-02-15 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: VA

Complaint narrative:
Subject : Formal Complaint Against Equifax for FCRA Violation ( Section 607 ( b ) ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IA XXXX To Whom It May Concern, I am writing to formally file a complaint against Equifax for violations of the Fair Credit Reporting Act ( FCRA ), specifically under Section 607 ( b ). My recent experiences with Equifax have raised serious concerns regarding their adherence to consumer protection laws and their responsibilities as a credit reporting agency.

I have been experiencing the same issues that prompted the CFPB to take action against Equifax, leading to a {$15.00} million penalty for improper investigations of credit reporting errors. The CFPB 's findings highlighted several critical failures by Equifax, including : 1. **Failure to Thoroughly Investigate Consumer Disputes** : Equifaxs process for submitting disputes significantly limits consumers ' ability to fully and accurately describe their disputes. In my situation, Equifax has also failed to consider relevant information I submitted, often neglecting the information altogether. 

XXXX. **Lack of Proper Investigation** : After forwarding my dispute information to the furnisher, Equifax did not meaningfully assess the furnishers response. At times, they ignored evidence that contradicted the furnishers claims, which violates their obligations under the FCRA. 

XXXX. **Inadequate Documentation** : I have formally requested that Equifax provide me with documentation supporting the information they reported, including the original contract containing my signature. Their refusal to comply with this request further emphasizes their disregard for FCRA requirements.

4. **Confusing Communication** : The responses I received from Equifax included contradictory statements, which left me confused about the status and nature of my dispute. This lack of clear communication is not only frustrating but also indicative of their inadequate handling of consumer disputes.

5. **Demand for Action** : I demand that Equifax rectify the inaccuracies on my credit report and provide me with the requested documentation within 15 days from the date of this complaint. Should they fail to address these issues, I will be compelled to consider further legal action to protect my consumer rights.

I urge the Consumer Financial Protection Bureau ( CFPB ) to take appropriate action against Equifax for these violations of the FCRA, particularly concerning Section 607 ( b ).

Thank you for your attention to this matter. I look forward to your prompt response.

Sincerely, CFBP EQUIFAX CONTINUES TO USE XXXX XXXX THAT IS INACCURATE INFORMATION AND THATS NOT MY LEGAL NAME ITS LISTED ON MY DRIVER 'S LICENSE Electric BILL AND RENTAL AGREEMENT

Company response to consumer: Closed with explanation