Consumer complaint received 2025-01-24 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX Date : XXXX To : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Subject : Formal Complaint Regarding Credit Reporting Inaccuracies and Discriminatory Practices Dear Sir or Madam, I am writing to formally complain about Equifaxs handling of inaccuracies on my credit report and the discriminatory impact these errors have had on my financial opportunities. Despite my repeated efforts to resolve this matter, Equifax has failed to address my concerns appropriately, which has resulted in ongoing financial harm and adverse treatment. 
The primary issue involves a settled XXXXXXXX XXXX XXXX XXXXXXXX account that is inaccurately reported on my credit file. This erroneous reporting has severely impacted my credit score, leading to denial of housing loans and other financial services. These adverse actions are directly tied to Equifaxs failure to maintain accurate records as required under the Fair Credit Reporting Act ( FCRA ).

Equifax has compounded this issue by sending me repeated stall letters, claiming they require additional identification or are unable to locate my credit file. This is despite the fact that I have submitted my drivers license and other identification documents multiple times, as documented in prior complaints to Equifax and the CFPB. Their lack of resolution suggests systemic negligence or intentional disregard for my rights as a consumer.

Moreover, I believe this situation raises concerns under the Equal Credit Opportunity Act ( ECOA ). By allowing inaccurate and damaging information to remain on my credit report, Equifax has contributed to discriminatory outcomes, such as denial of financial opportunities, based solely on a flawed credit history. This is a form of financial discrimination that disproportionately affects individuals like me and undermines the fairness and integrity of the credit reporting system. 
To further address this issue, I have contacted my local XXXX headquarters to seek advocacy and support. I believe my experience reflects broader systemic issues within credit reporting agencies and their treatment of consumers. 
I respectfully request that the CFPB and FTC : Conduct a thorough investigation into Equifaxs practices regarding my case and others similarly affected. 
Hold Equifax accountable for violations of the FCRA, XXXX, and any other applicable consumer protection laws. 
Require Equifax to promptly and accurately update my credit file to reflect the positive information status of the XXXX XXXX XXXX  XXXX account or delete if from my file. 
Implement stronger oversight measures to prevent future occurrences of inaccurate reporting and discriminatory outcomes. 
Enclosed, I have included documentation of stall letters, Drivers License, ect. I urge you to take swift action to rectify this situation and hold Equifax accountable for their failure to comply with federal regulations. 
Thank you for your attention to this matter. I look forward to your response and resolution of this issue. 
Sincerely,

Company response to consumer: Closed with non-monetary relief