Consumer complaint received 2025-01-28 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: IL

Complaint narrative:
I was looking at my credit report and noticed inaccuracies, incompleteness errononius accounts, items that have not been update of deleted off my credit report from previous disputes with the Equifax. Its been more 35days and they still fail to comply with the law, FCRA. 15 USC 1681i ( a ) ( 1 ) ( a ).

Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXXXXXX I dont have a contractual agreement with..I only have a agreement with is XXXX Mortgage. Also there are inaccurately reporting the date of last payment show XX/XX/24 on XXXX and XX/XX/24 on Equifax. How can this be. I can't have XXXX different mortgage accounts with the same account #. 

XXXX XXXX XXXX XXXX show on Equifax but XXXX show act # XXXX on XXXX and XXXX. How can this act have multiple account # 's XXXX Bank act # XXXX show date of last active on equifax XX/XX/24, on experian XX/XX/24, and XXXX XX/XX/24. How can this be. 

XXXX XXXX act # XXXX I dont have a contract with them, I dont know what this is. 

FCRA Violations and Penalties : Failure to comply with the following FCRA sections constitutes violations, each subject to penalties of {$1000.00} per incident : 1. 15 USC 1681i ( 7 ) : Failure to provide a description of the investigation process within 15 days of a consumer dispute.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable investigation of the disputed accounts.

3. 15 USC 1681e ( b ) : Failure to ensure maximum possible accuracy of the information being reported.

4. 15 USC 1681c ( a ) : Reporting outdated or unverifiable information on the credit report.

5. 15 USC 1681n : Willful noncompliance with FCRA obligations, which also subjects your agency to civil liability.

With two disputed accounts and at least five violations per account, your agency could be liable for a total of : 4 accounts 5 violations {$1000.00} per violation = {$20000.00} in fines.

Acknowledgement and Resolution : Please provide written acknowledgment of this request and respond with the requested descriptions within the legally mandated 15-day period. If the accounts can not be verified in accordance with the FCRA, I expect their immediate deletion from my credit report.

Failure to address this matter in compliance with the FCRA may result in further action, including reporting this issue to the Consumer Financial Protection Bureau ( CFPB ) and seeking civil remedies. I have copied this communication to the CFPB to ensure transparency and accountability.

Your prompt attention to this matter is greatly appreciated. I look forward to your response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief