Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Complaint Summary : I am submitting this complaint because a credit reporting agency continues to report inaccurate, unverifiable, and outdated information on my consumer credit file, despite my having submitted multiple written disputes in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

The agency has failed to conduct a reasonable reinvestigation as required under 15 U.S.C. 1681i ( a ), continues to publish false account data and personal identifiers, and has not provided a valid method of verification for the information being reported. These actions have caused damage to my creditworthiness and left me exposed to unauthorized activity and identity misuse, especially since my personal information has been compromised in national data breaches involving credit reporting entities.

Details of the Violation : The bureau continues to report multiple disputed accounts that have not been lawfully verified or supported with documentation from the furnishers of information.

The agency is also reporting incorrect or outdated personal identifiers, including old addresses and employers, which should have been removed after dispute submission.

Several accounts have been improperly validated or not validated at all, and in at least one case, an account that does not belong to me continues to appear on my report.

These failures constitute violations of the bureaus obligations under 15 U.S.C. 1681e ( b ) ( duty to ensure maximum possible accuracy ), 1681i ( a ) ( requirement for reasonable reinvestigation ), and 1681s-2 ( b ) ( duty of furnishers to verify and correct data ).

If any of these furnishers are classified as debt collectors, continued reporting of unverifiable data also violates the FDCPA, including 1692e ( false or misleading representations ) and 1692f ( unfair or unconscionable practices ).

The agencys inaction is particularly egregious given my confirmed exposure in a major consumer data breach, which increases my vulnerability to identity theft and financial harm.

Relief Requested : I request that the Consumer Financial Protection Bureau ( CFPB ) : Require the bureau to conduct a complete and lawful reinvestigation of all disputed items.

Order deletion of all unverifiable, inaccurate, or outdated information from my consumer file.

Ensure removal of all incorrect addresses, employers, or other personal identifiers that increase my risk of identity theft.

Confirm that the bureau provides a detailed written explanation of the verification method used for any item that remains.

Direct the bureau to issue a free, updated copy of my consumer report reflecting the corrections.

Require the bureau to notify any third parties who accessed my report within the past six months of the corrections or deletions made.

Summary Statement : I have made every good-faith effort to correct my file through lawful written disputes. The agencys refusal to remove unverifiable information and failure to comply with federal consumer protection laws constitute negligent and/or willful noncompliance with the FCRA and FDCPA.

I am seeking the CFPBs assistance to ensure this matter is properly investigated and that the bureau takes corrective action to restore the accuracy, integrity, and lawfulness of my consumer credit report.

Company response to consumer: Closed with explanation