Consumer complaint received 2025-07-08 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:
CFPB Complaint : Failure to Verify and Maintain Accurate Reporting I am submitting this complaint because the credit reporting agencies Equifaxcontinue to report inaccurate and unverifiable negative accounts on my credit report, despite multiple dispute letters submitted pursuant to the Fair Credit Reporting Act ( FCRA ). The accounts listed below were " verified '', yet the reporting includes inconsistencies, lacks proper verification, and violates multiple sections of federal law, including 15 U.S.C. 1681i and 1681e ( b ). 

Here are the accounts in question : - XXXX  - Account # XXXX - XXXX XXXX  - Account # XXXX - XXXX / XXXX XXXX XXXX XXXX Account # XXXX These accounts continue to be reported as 100 % accurate, even though I never received a full, documented investigation or verification. I requested supporting documents ( such as contracts or original applications with my signature ), which were never provided by the credit bureaus or furnishers.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the bureaus must conduct a reasonable investigation into disputed accounts. If they can not fully verify with actual evidence, they must delete the account. Yet the accounts were simply marked as " verified '' with no supporting information or explanation, a practice the FTC has previously found to be noncompliant with FCRA. 

Further, under 15 U.S.C. 1681e ( b ), credit bureaus must ensure the maximum possible accuracy of the information they report. It is not possible for these accounts to be 100 % accurate given the lack of substantiation and inconsistencies in the reporting. 

These actions show a clear pattern of neglect and noncompliance. I am requesting the CFPB intervene and require the credit bureaus to : XXXX. Provide full documentation from the data furnishers that verifies these accounts ( contracts, applications, billing statements, purchase agreements, etc. ) ; XXXX. Remove the accounts immediately if such documentation can not be provided ; XXXX. Ensure any future disputes are fully investigated in compliance with FCRA and Metro 2 compliance standards. 

This complaint is filed in good faith to protect my rights under the law and to stop continued reporting of unverifiable, damaging accounts. 

Requested resolution : Full deletion of the above-listed accounts from all consumer reporting agencies due to failure to verify, lack of reasonable investigation, and continued FCRA violations XXXX 

Monetary Relief Request : Due to the repeated violations of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), and the failure of the credit bureaus and furnishers to perform reasonable investigations or provide proper verification, I am also seeking monetary relief for the resulting harm, including but not limited to damage to my credit reputation, emotional distress, and lost financial opportunities. I respectfully request that the CFPB ensure appropriate restitution is made in accordance with federal law.

Company response to consumer: Closed with non-monetary relief