Consumer complaint received 2025-01-02 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: NY

Complaint narrative:
I reviewed my Equifax credit report on XX/XX/year>, and identified several items that are incomplete and inaccurate. On XX/XX/year>, I sent a letter to Equifax requesting an investigation into the completeness and accuracy of the information. However, when I received the results, I noticed that Equifax did not address or correct the inaccuracies, which is a violation of federal law. 

Violation of 15 USC 1681e ( b ) : Accuracy of Report According to 15 USC 1681e ( b ) : ( b ) Accuracy of report* Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Equifax failed to follow reasonable procedures to ensure the maximum possible accuracy of my credit report.

Failure to Provide a Description of Reinvestigation ( 15 USC 1681i ( 7 ) ) On XX/XX/year>, I requested that Equifax provide a description of their investigation process, as required under **15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

Equifax did not provide the requested description of its investigation, further violating federal law. 

Failure to Address Inaccurate or Unverifiable Information ( 15 USC 1681i ( 5 ) ) According to **15 USC 1681i ( 5 ) : ( 5 ) Treatment of inaccurate or unverifiable information* If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Despite my request, Equifax did not delete or correct the inaccurate and unverifiable information on my credit report. 

Violations by Furnishers of Information ( 15 USC 1681s-2 ) Equifaxs failure to act also implicates the data furnishers under **15 USC 1681s-2 : ( A ) Reporting information with actual knowledge of errors* A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors* A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

XXXX Accounts in Violation XXXX. XXXX XXXX XXXX ( Account # XXXX ) : - Issue : This account is reported as a Collection or Charge Off with a balance of {$9000.00}. The date of last activity and other details are unverifiable. 
- Violation : Equifax failed to ensure the accuracy of this account and did not provide sufficient documentation to verify it. 

XXXX. XXXX XXXX XXXX ( Account # XXXX ) : - Issue : This account is reported as a Collection or Charge Off with a balance of {$200.00}. Despite my formal request, Equifax did not provide verification or remove this unverifiable information. 
- Violation : Equifax failed to act in compliance with 15 USC 1681i and 1681e ( b ). 

Requested XXXX I request the immediate and permanent deletion of the following accounts from my Equifax credit report : XXXX. XXXX XXXX XXXX ( Account # XXXX ) : Violations of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ). 
XXXX. XXXX XXXX XXXX ( Account # XXXX ) : ** Violations of XXXX*15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ). 

Equifax must comply with federal law by ensuring the accuracy of the information it reports and promptly removing inaccurate or unverifiable information. If these issues are not resolved, I will pursue further action to enforce my rights as a consumer. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief