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: OR

Complaint narrative:
I am writing to file a formal complaint against Equifax for failing to properly investigate and address inaccurate information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act of 2010 ( CFPA ). Despite submitting multiple complaints and providing supporting documentation, including case law and correspondence indicating that the XXXX XXXX XXXX XXXX ( DOJ, State of Oregon ) should not be reporting on my credit file, XXXX has continued to mark the disputed entry as verified accurate. 

I have sent several formal complaints and disputes to Equifax regarding the incorrect reporting of the XXXX of XXXX XXXX. The letters explicitly state that this information should not be present on my credit report. I have attached one such " Important Notice '' from XXXX that acknowledges the inaccuracy and the violation, yet XXXX has still failed to remove or correct the erroneous entry. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( a ) ( b ), 5564, and 5565, XXXX is legally obligated to conduct reasonable reinvestigations of consumer disputes and provide accurate information to consumers. Despite this, Equifax has repeatedly failed to reinvestigate my dispute properly, failing to forward all relevant information to the data furnisher ( the XXXX of XXXX XXXX ) and to conduct a full investigation that would result in an accurate credit report. 

The specific violations include : Failure to conduct proper investigations : Equifax has not provided adequate reinvestigations of the dispute I raised regarding the child support entry on my credit report. 
Failure to forward relevant information : Equifax did not forward all of the supporting documentation I submitted to the furnisher, the XXXX of XXXX XXXX. 
Failure to provide proper notices : Equifax did not provide accurate or sufficient notices to me about the results of the reinvestigation. 
Failure to ensure accuracy and completeness : Despite the clear evidence and legal case law showing that this information should not be on my report, Equifax has continued to mark the disputed entry as verified accurate, contrary to the information provided in the documentation. 
The cases I have cited provide compelling legal authority that child support obligations should not be reported to credit bureaus, and that Equifaxs actions may be in violation of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. Below are the relevant cases that further support my dispute : 1. Kevin D. Miller v. Trans Union LLC, Experian Information Systems , Inc., and Supportkids , Inc. ( Case 1:06-cv-02883, 2/28/2007, N.D. Illinois ) This case discussed the improper reporting of debts, including child support, on credit reports. 
2. Kenneth McCready v. Linebarger Goggan Blair & Sampson, LLP, et al. ( Case 06 C 4884, 8/15/2007, N.D. Illinois ) This case addressed the legal restrictions on reporting child support-related collections on credit reports.

3. Maria E. Pintos v. Pacific Creditors Association, Experian Information Solutions , Inc. ( No. 04-17485, D.C. No . CV-03-05471-CW, 9/21/2007, 9th Circuit Court of Appeals ) This case reinforced restrictions on reporting debts tied to government entities, including child support, on credit reports. 

As a result of these failures, I have experienced undue harm, including potential denials of credit and adverse financial consequences. The inaccurate reporting is not only detrimental to my credit but is also a violation of my legal rights as a consumer under both the FCRA and CFPA.

Immediate removal of the XXXX XXXX XXXX XXXX  Dispute of XXXX XXXX  Accounts Account # : XXXX and Account # XXXX information from my credit report. 
A full reinvestigation of my dispute in accordance with FCRA and CFPB guidelines. 
A written response from Equifax explaining the failure to conduct proper investigations and the steps they will take to ensure compliance moving forward.

Company response to consumer: Closed with explanation