Consumer complaint received 2025-01-20 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: NC

Complaint narrative:
I am writing to formally lodge a complaint against Equifax for its ongoing failure to comply with federal consumer protection laws, specifically provisions outlined in the Fair Credit Reporting Act ( FCRA ). Despite my persistent efforts to address multiple discrepancies in my credit report, Equifax has neglected its legal duty to ensure the accuracy and integrity of the information it reports. 
On XX/XX/year>, I submitted dispute letters regarding several inaccuracies reflected in my credit report. I provided clear, verifiable evidence to support my claims, yet Equifax has failed to take appropriate corrective action within the required timeframe. Their lack of compliance directly violates the following FCRA provisions : 15 U.S.C. 1681e ( b ) Equifax has not employed reasonable procedures to assure maximum possible accuracy in reporting my financial data.

15 U.S.C. 1681s-2 They have failed to appropriately reinvestigate and correct the disputed accounts, despite my repeated notifications.

15 U.S.C. 1681i ( 5 ) Equifax has refused to delete or update inaccurate, incomplete, or unverifiable information as required by law.

15 U.S.C. 1681c ( c ) Outdated negative information that should have been removed continues to be reported. 
Recently, the Consumer Financial Protection Bureau ( CFPB ) fined Equifax {$15.00} XXXX for systemic failures in handling consumer disputes and investigations. This recent enforcement action further underscores Equifaxs history of negligence and disregard for consumer rights, which continues to impact me directly. 
The following accounts remain inaccurately reported on my credit file : 1. XXXX XXXX XXXX XXXX ( Account XXXX XXXXXXXX ) o Account status incorrectly marked as Closed/Charge Off, with a balance owed of {$6600.00}, despite my disputes and proof of prior resolution. 
o Payment history and remarks remain inaccurate, reflecting misleading data that negatively affects my creditworthiness. 
2. XXXX XXXX XXXX ( Account XXXX XXXX ) o Reported collection account with an amount of {$1300.00}, which does not align with my verified records. 
o Equifax has failed to verify or remove this account despite it being unsubstantiated per my dispute request. 
3. XXXX XXXX XXXX ( AccounXXXX XXXX XXXXXXXX ) o XXXX for {$1900.00}, inaccurately listed despite being resolved. 
o Account continues to appear in my report even though it should have been removed per statutory timelines. 
These reporting errors have caused significant harm to my financial stability, including credit denials, increased interest rates, and emotional distress. I am requesting the CFPB to take immediate action to enforce compliance and demand the following remedies from Equifax : 1. A thorough review and deletion of the inaccurate and unverifiable accounts listed above.

2. A complete and corrected credit report issued to me reflecting accurate data.

3. Appropriate penalties against Equifax to prevent further non-compliance with federal laws. 
I am submitting this complaint in good faith, with all necessary supporting documentation attached, including my dispute letters dated XX/XX/year>, and my most recent credit report indicating the unresolved inaccuracies. 
I appreciate your prompt attention to this matter and look forward to Equifax being held accountable for its obligations under the law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief