Consumer complaint received 2025-05-29 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: OH

Complaint narrative:
I submitted a formal dispute to the credit bureau ( XXXX ) regarding several inaccurate, incomplete, and unverifiable accounts that are currently being reported on my credit file. These accounts contain serious reporting errorsincluding incorrect payment history, balances, statuses, and charge-off entriesthat are materially damaging to my creditworthiness. 

In my previous dispute, which was submitted more than 30 days prior, I clearly identified each disputed account, supplied sufficient information to initiate a proper reinvestigation, and provided evidence supporting my claims. I also included proof of my identity and address. The bureaus failed to conduct a lawful reinvestigation under Section 611 of the Fair Credit Reporting Act. Instead of providing any supporting documentation or responding with verifiable evidence, the accounts were merely marked as disputed or verified without explanation or transparency. 

This not only demonstrates a lack of proper investigationit also strongly suggests the bureau ( XXXX ) either outsourced their duty to investigate to third-party data furnishers or simply rubber-stamped the original creditors reporting without independent verification. Under the FCRA, a credit reporting agency can not legally outsource its reinvestigation duties, nor can it rely solely on the furnishers word. They are obligated to perform their own investigation and correct or delete any information that can not be verified. 

I am now forced to escalate this matter through the CFPB because the credit bureau ( XXXX ) have : Failed to comply with the XXXX investigation requirement Failed to provide any documentary evidence or response to the information I previously submitted Continued reporting the same disputed items with no change, no explanation, and no supporting documentation Allowed multiple violations of my consumer rights to persist despite clear notice and opportunity to correct I am not attaching additional documents to this CFPB complaint at this time. My original dispute already included all necessary documentation to verify my identity and support my claims. If the credit bureau ( XXXX ) claim they never received them or no longer have them, that only serves as further evidence of mishandling and procedural negligence. I will not keep enabling their failure to uphold the law by resending documents to cover for their inaction. 

A fair, legal, and compliant resolution under the FCRA would be the immediate deletion of all information that is inaccurate, incomplete, or unverifiable. If the bureaus are unable to provide written evidence to substantiate the continued reporting of the disputed items, they are legally required to delete those entries from my report. 

This is not only a violation of federal lawit is a clear pattern of noncompliance, negligence, and refusal to correct or remove false information that is harming me financially. If this continues, I am prepared to escalate the matter to legal counsel and seek damages as allowed under the FCRA.

Company response to consumer: Closed with explanation