Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
b'I am filing this complaint against Equifax for refusing to conduct a reasonable investigation into my dispute letter mailed on XXXX XXXX XXXX, via USPS Certified Mail #XXXX XXXX XXXX XXXX XXXX XXXX, and for requesting redundant documentation already provided, in violation of the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681i. Despite including all required proof of identity as mandated by the FCRA, Equifax has failed to investigate the disputed items on my credit report and instead responded by requesting the same documents, which is a clear excuse to avoid their legal obligations.\nOn XXXX XXXX XXXX, I mailed a dispute letter to Equifax via certified mail, disputing the following inaccurate items on my credit report:\nInaccurate Negative Information: My credit report contains negative items reported with discrepancies and inaccuracies that have not been properly verified. These items misrepresent my creditworthiness and must be investigated and corrected or removed if unverifiable.\nBankruptcy Record (Reference Number: XXXX):\nIssue: This bankruptcy entry lists the court name as XXXX XXXX XXXX, which is not a recognizable court. The reference number appears incorrect, and critical details such as the date settled, liability amount, and remarks are missing. Additionally, this entry may be a duplicate of Bankruptcy Reference Number XXXX. These omissions render the reporting incomplete and misleading.\nDemand: Investigate the accuracy and completeness of this bankruptcy. If unverifiable, remove it permanently from my credit report.\nBankruptcy Record (Reference Number: XXXX):\nIssue: Similarly, this bankruptcy entry lists the court name as XXXX XXXX XXXX, with an incorrect reference number and missing date settled, liability amount, and remarks. It may be a duplicate of Bankruptcy Reference Number XXXX. These omissions render the reporting incomplete and misleading.\nDemand: Investigate the accuracy and completeness of this bankruptcy. If unverifiable, remove it permanently from my credit report.\nIncorrect Personal Information: My credit report contains inaccurate personal information that I requested be corrected. This was included in my dispute with supporting documentation and must be updated to reflect accurate details.\nSupporting Documentation:\nAs required by the FCRA, my dispute letter included:\nA copy of my government-issued ID.\nA copy of my Social Security card.\nProof of address.\nThese documents unequivocally verify my identity, and Equifax has no valid reason to refuse investigation. However, Equifaxs response requested the same proof of identification already provided, which is an unjustifiable delay tactic and a violation of FCRA  1681i(a)(1), requiring a reasonable reinvestigation within 30 days of receiving a consumers dispute.\nThe inaccurate negative information, incomplete bankruptcy entries, and incorrect personal information on my credit report have damaged my creditworthiness, potentially affecting my ability to secure credit, employment, or housing. Equifaxs refusal to investigate and their request for redundant documentation violate my rights under the FCRA and undermine the integrity of my credit file.\nThe Consumer Financial Protection Bureaus recent enforcement action against Equifax, resulting in a $XXXX XXXX penalty for failing to conduct proper investigations of consumer disputes (source: CFPB Orders Equifax to Pay $XXXX XXXX for Improper Investigations of Credit Reporting Errors, https://www.consumerfinance.gov/about-us/newsroom/cfpb-orders-equifax-to-pay-XXXX-for-improper-investigations-of-credit-reporting-errors/), underscores Equifaxs pattern of noncompliance. This action supports my claim that Equifax has failed to fulfill its legal obligation to conduct a reasonable reinvestigation in my case.'

Company response to consumer: Closed with non-monetary relief