Consumer complaint received 2025-02-10 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX Email : XXXX XXXX : XX/XX/XXXX XXXX, XXXX, XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Re : Formal Complaint Against Equifax Regarding Failure to Correct Fraudulent and Unauthorized Errors on Credit Report Dear Sir/Madam, I am writing to file a formal complaint against Equifax for its inadequate investigation into and failure to resolve fraudulent and unauthorized errors on my credit report. I have already filed a report with the Federal Trade Commission ( FTC ) under report number # XXXX. Despite my efforts to resolve this issue, Equifax has failed to correct these errors within the mandated time frame, violating my rights under consumer protection laws. 
Details of the Case : I requested that Equifax investigate several items on my credit report that I identified as fraudulent, including multiple inaccurate accounts, inquiries, and incorrect personal information. Despite my clear and specific request, Equifax has not made the necessary corrections or provided a satisfactory resolution. 
Below is a list of all the items that should have been removed from my credit report, as they are fraudulent and unauthorized : Accounts to be Removed : XXXX. XXXX XXXX XXXX ( Account # XXXX ) XXXX. XXXX XXXX XXXX ( Account # XXXX ) XXXX. XXXX XXXX XXXX ( Account # XXXX ) XXXX. XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX. XXXX XXXX XXXX XXXX  ( Account # XXXX ) XXXX. XXXX XXXX XXXX XXXXXXXX ( Account # XXXX ) XXXX. XXXX XXXX ( Account # XXXX ) XXXX. XXXX XXXX XXXX XXXX ( Account # XXXX ) Inquiries to be Removed : XXXX XXXX XXXX XXXX XXXX XXXX Over XXXX inquiries from XXXX to XXXX ) XXXX. XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) Additionally, my credit report lists the incorrect name of " XXXX XXXX '' instead of my full legal name, XXXX XXXX XXXX. This incorrect name was reported despite me providing several copies of my identification documents, including my drivers license and Social Security card, to verify my identity. 
Several incorrect addresses are listed on my credit report, and they should be immediately removed. These are : XXXX. XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX  XXXX XXXX. XXXX XXXX XXXX, XXXX, XXXX  XXXX Violations of Consumer Laws : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. : Equifaxs failure to promptly and accurately investigate these disputes within the XXXX time limit violates my rights under the FCRA, which mandates that a credit reporting agency must correct or delete information that is inaccurate or unverifiable. 
XXXX. XXXX XXXX XXXX XXXX ( XXXX ), 15 U.S.C. 1681i : Under the CCPA, credit bureaus must investigate disputed information within 30 days and notify the consumer of the results. Equifax has not completed the investigation or made corrections in a timely manner. 
3. Identity Theft Laws, 15 U.S.C. 1681c-2 : Under the identity theft laws, credit reporting agencies are required to address fraudulent accounts and inquiries promptly, which Equifax has XXXX to do. 
4. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. : The reporting of fraudulent debt collections violates the FDCPA as these accounts are not only inaccurate but also unauthorized.

Time Limits for Resolution : Under the FCRA and the CCPA, Equifax was required to resolve these issues and make necessary corrections within 30 days of my initial dispute. It has been well beyond the legal time limit, and I am still waiting for a resolution. This delay constitutes a violation of consumer protection laws and my rights under the FCRA.

Request for Action : I respectfully request that the CFPB intervene on my behalf and ensure that Equifax takes the following actions : 1. Immediate removal of the fraudulent accounts and inquiries listed above.

2. Correction of my name to reflect my full legal name, XXXX XXXX XXXX, as per the official documentation I have provided. 
3. Removal of incorrect addresses listed on my credit report.

4. A formal explanation of why Equifax failed to correct these errors and failed to meet the deadlines set forth in consumer protection laws.

I would appreciate it if you could escalate this complaint and hold Equifax accountable for its failure to resolve this matter.

Thank you for your attention to this issue. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief