Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Complaint Regarding Violation of FCRA and Inaccurate Reporting on Credit Report for XXXX XXXX To : Equifax Consumer Relations Department Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ) and Inaccurate Credit Reporting Date : [ XXXX ] Dear Equifax, I am writing to formally dispute and lodge a complaint regarding the inaccurate and incomplete handling of my credit report under the Fair Credit Reporting Act ( FCRA ). Specifically, I am concerned about the following violations and the continued erroneous reporting of accounts that I have previously disputed : 1. Failure to Thoroughly Investigate Consumer Disputes Equifaxs dispute resolution process has been ineffective, as it has failed to investigate the inaccuracies on my credit report in a comprehensive manner. As per the FCRA, I am entitled to have any inaccurate information thoroughly investigated, and any relevant information I provide should be carefully reviewed. However, Equifax has : Ignored or failed to consider additional evidence I have submitted in relation to my disputes. 
Allowed the accounts listed below to remain on my report despite discrepancies between your findings and the evidence I presented. 
Sent me dispute results that were confusing and contradictory, including statements like this has been verified as accurate and this item has been deleted. 

I am requesting a full and thorough investigation of these accounts in accordance with FCRA standards. 

2. Reappearance of Previously Deleted Errors Equifax has violated my rights by putting previously deleted errors back on my credit report, despite the fact that these errors had been rectified in earlier disputes. These inaccuracies include accounts from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am concerned that your systems do not properly block or remove information that was previously corrected or removed, and as a result, these accounts have reappeared. 

Please confirm that these accounts will be permanently removed from my credit profile, as they are erroneous and do not reflect my true credit history. 

3. Reporting of Inaccurate Data and Credit Scores I have also noticed discrepancies in my reported credit scores, which appear to have been impacted by coding errors or miscalculations on your end. Specifically, I have reason to believe that inaccurate credit scores and duplicate reporting of credit accounts ( in particular for XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) have been shared with lenders. This has resulted in a significant and unfair negative impact on my credit profile. 

4. Identity Theft Reporting Equifax has failed to block or adequately address fraudulent accounts related to identity theft. If any of the disputed accounts mentioned above are a result of identity theft, I request that they be blocked in accordance with the protections provided under the FCRA. I have taken steps to ensure my identity is protected, and Equifax has a responsibility to act on these safeguards by preventing further damage to my credit profile. 

5. Request for Action I am requesting that Equifax take immediate corrective action by : 1.Thoroughly investigating the disputes related to the accounts listed below : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX 
2.Removing these accounts from my credit report if they are found to be inaccurate or incomplete.

3.Ensuring that previous errors are permanently deleted, and implementing processes that prevent inaccurate information from reappearing.

4.Providing me with a clear and accurate report on the results of these investigations, in line with the FCRAs requirements for maximum accuracy. 

In accordance with the FCRA, I also request that you provide me with documentation outlining the investigation process, any findings, and the specific actions taken to address the above issues. 

If these matters are not resolved promptly and in accordance with the law, I will be forced to escalate this complaint through the appropriate regulatory channels, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that these accounts will be corrected and removed from my credit profile. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief