Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I am filing this complaint against Equifax Information Services LLC for violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., by failing to investigate my dispute submitted on XX/XX/XXXX, identifying XXXX inaccurate items on my credit report. As of XX/XX/XXXX, 55 days have passed, exceeding the XXXX investigation period ( expired XX/XX/XXXX ) under 15 U.S.C. 1681i ( a ) ( 1 ). Under 15 U.S.C. 1681i ( a ) ( 5 ) ( C ), Equifax must delete these items due to noncompliance. 

I sent a dispute via first-class mail on XX/XX/XXXX, and a follow-up demand letter via certified mail on XX/XX/XXXX ( tracking number XXXX, dated XX/XX/XXXX ), demanding deletion by XX/XX/XXXX, with no response. On XX/XX/XXXX, I sent a final demand letter ( delivered XX/XX/XXXX ) requiring deletion by XX/XX/XXXX. Equifaxs nonresponse violates my rights. 

Violations include : Failure to Investigate ( 15 U.S.C. 1681i ( a ) ( 1 ) ) : No investigation within 45 days.

Failure to Notify Furnishers ( 15 U.S.C. 1681i ( a ) ( 2 ) ) : No evidence of notification.

Failure to Respond ( 15 U.S.C. 1681i ( a ) ( 6 ) ) : No written notice provided. 
Impact : Inaccurate reporting risks credit denials and higher rates, causing financial harm and emotional distress. Ive spent significant time pursuing resolution. 

Disputed Items ( from XX/XX/XXXX and XX/XX/XXXX letters ) : Incorrect personal info : XXXX XXXX Incorrect personal info : XXXX XXXX XXXX Incorrect personal info : Address XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect personal info : XXXX XXXX  XXXX ( Case XXXX XXXXXXXX ) XXXX inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation