Consumer complaint received 2025-05-06 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: MD

Complaint narrative:
Subject : Second Formal Complaint Equifax Failure to Investigate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB Officer, I am filing this complaint because Equifax has now failed twice to conduct a lawful and reasonable investigation of my dispute concerning the account reported by XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

This marks the second time I have disputed this account through the Equifax online portal. Once again, they marked the account as verified within 7 days, without providing any documentation or explanation. This rapid closure strongly suggests no meaningful investigation occurred, directly violating the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ).

In my prior correspondence, I had already warned Equifax that failure to conduct a proper reinvestigation would result in a formal complaint to the CFPB. Despite this, Equifax continues to ignore its legal obligations and allows inaccurate information to remain on my credit report.

Ongoing Violations and Concerns : Repeated Failure to Reinvestigate ( FCRA 1681i ) This is now the second dispute submitted regarding this account. Equifax has failed twice to provide a good faith reinvestigation or to respond with any documents supporting the accuracy of the reporting.

Improper Charge-Off Reporting with Active Balance The account is listed as charged off with an active balance of {$1800.00}. This is misleading and inaccurate. If charged off, the balance should be {$0.00} unless valid documentation supports continued liability.

No IRS 1099-C Form Provided I requested a 1099-C to confirm the debt cancellation. XXXX XXXX has failed to provide this, which raises questions about whether the charge-off was properly executed and reported to the IRS. 

No Proof of Permissible Purpose Under 15 U.S.C. 1681b, a data furnisher must have a permissible purpose in reporting to credit bureaus. I have not received such documentation from XXXX XXXX  or Equifax.

False Third-Party Deflection XXXX, XXXX XXXX XXXX have personally submitted both disputes. Any attempt to disqualify or ignore my dispute by suggesting third-party involvement is false and an unlawful stall tactic under the FCRA. 

Requested Resolution : To resolve this matter, I am requesting that the CFPB : Direct Equifax to immediately delete thXXXX XXXX XXXX XXXX account from my credit file. 

Require a detailed breakdown of the verification process : who was contacted, what was reviewed, and how this meets the standard of a reasonable investigation under FCRA. 

Investigate Equifax for repeated noncompliance and pattern-based failure to uphold federal dispute-handling procedures. 

If this issue is not properly resolved, I intend to escalate the matter by submitting formal complaints to the FTC, the Maryland Attorney General, and taking appropriate legal action for willful and negligent violations under FCRA 1681n and 1681o. 

Thank you for your attention to this matter. I trust that the CFPB will hold Equifax accountable for its repeated failure to honor federal consumer protections. 

Sincerely, XXXX XXXX Enclosures : Prior dispute letter to Equifax Screenshot ( s ) of dispute outcome ( s ) Credit report excerpt highlighting a disputed account Proof of identity

Company response to consumer: Closed with non-monetary relief