Consumer complaint received 2025-07-06 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: WI

Complaint narrative:
Formal Complaint Against Equifax for Egregious Violations of FCRA, Unlawful Reporting, and Failure to Conduct Adequate Reinvestigations I am submitting this complaint to the CFPB to immediately address Equifax 's appalling and egregious violations of the Fair Credit Reporting Act ( FCRA ), its flagrant refusal to conduct a reasonable reinvestigation into false, unauthorized, and incorrect account information, and its unlawful and reckless auto-updating of inaccurate data on my credit file. These failures have caused significant harm to my credit profile and have directly resulted in unjust financial and emotional distress. 

Despite three ( 3 ) formal disputes I filed with Equifax, they have refused to conduct an adequate reinvestigation of the following erroneous accounts, continuing to report inaccurate, misleading, and unverified information on my credit file, in direct violation of their statutory duties under the FCRA and relevant Wisconsin State laws : XXXX Account # XXXX, Balance {$2100.00} ; XXXX Account # XXXX, Balance {$2600.00} ; XXXX XXXX XXXX ( XXXX ), Account # XXXX, Balance {$190.00} ; Original Creditor : XXXX XXXX, Account : # XXXX ; and XXXX XXXX XXXX XXXX, Account # XXXX, Balance {$9400.00}. 

The XXXX Accounts and Collections have already been permanently deleted from my CRF with both XXXX  and XXXX, but EQUIFAX persists in unlawfully reporting them. ( Please See Attachments, XXXX  REINVESTIGATION RESULTS XXXX and XXXX  XXXX DISPUTE RESULTS XXXX ) A. FCRA Violations by Equifax Failure to Conduct a Proper Reinvestigation ( 15 U.S.C. 1681i ) Equifaxs failure to conduct a reasonable reinvestigation and to correct inaccurate information violates 15 U.S.C. 1681i, which requires that a consumer reporting agency conduct an investigation upon receiving a dispute from the consumer. Despite three ( 3 ) formal disputes, Equifax has repeatedly failed to respond in good faith or resolve the inaccuracies as required by law. Instead, they have auto-updated the inaccurate information without conducting a thorough reinvestigation of the disputed accounts.

Failure to Consider All Relevant Information ( 15 U.S.C. 1681i ( a ) ( 4 ) ) Equifax has also violated 15 U.S.C. 1681i ( a ) ( 4 ) by not fully considering all the relevant documentation I submitted in support of my dispute. This includes written proof from TransUnion and Experian showing that these accounts were permanently deleted. Equifaxs disregard for this irrefutable evidence constitutes a willful disregard of the FCRA 's mandate to consider all relevant information. 

Failure to Correct Inaccurate Information ( 15 U.S.C. 1681e ( b ) ) Equifaxs continued reporting of false, inaccurate, and unverifiable information on my credit filedespite being provided with clear evidence of the accounts inaccuracyconstitutes a blatant violation of 15 U.S.C. 1681e ( b ). This statute mandates that consumer reporting agencies maintain maximum possible accuracy in the information they report. Equifaxs conduct represents a willful and reckless disregard for this obligation and is indicative of systemic noncompliance with the FCRA.

B. Failure to Delete Inaccurate Information and Willful Noncompliance Unlawful Auto-Updates of XXXX and Collection Accounts Despite XXXX  and XXXX  permanently deleting the XXXX and Collection Services accounts from my credit reports, Equifax has unlawfully continued to report them and has auto-updated the erroneous balances, refusing to delete or correct the false entries. This persistent and ongoing reporting of incorrect information directly violates the FCRA 's requirement for consumer reporting agencies to promptly delete unverifiable information upon a dispute. 

Unlawful Reporting of XXXX XXXX XXXX XXXX  Account The XXXX  XXXX XXXX XXXX Account ( # XXXX ) is being reported with a false balance of {$9400.00}, despite being linked to an unlawful repossession in violation of both the FCRA and the Wisconsin Consumer Act ( WCA ). The incorrect reporting of this account has further exacerbated the damage to my creditworthiness. Equifaxs failure to correct or delete this entry after repeated disputes directly contravenes 15 U.S.C. 1681i.

C. Wisconsin State Law Violations Equifaxs actions also violate several provisions of the Wisconsin Consumer Act ( WCA ) and the Wisconsin Statutes governing the accuracy and integrity of credit reporting : Failure to Follow State Law Procedures for Dispute Resolution ( XXXX XXXX. XXXX ) By refusing to engage in a meaningful investigation and failing to correct these errors, Equifax has violated the Wisconsin Consumer Act, which mandates that credit reporting agencies follow proper procedures when handling consumer disputes. Their persistent refusal to act on my disputes undermines my rights under state law. 

Failure to Report Accurate Information Under Wisconsin State Law The unverified and erroneous accounts listed by Equifax represent not only a violation of the FCRA but also a clear violation of the Wisconsin Consumer Protection Act, which mandates accuracy in all credit reporting. Equifaxs misconduct constitutes an ongoing failure to comply with state laws designed to protect consumers from harmful credit report errors. 

D. Request for Immediate Action and Legal Remedies Given the egregious nature of Equifax 's actions and their willful disregard for my legal rights, I respectfully request that the CFPB take immediate and severe action against Equifax for the following : Immediate Deletion of the XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX accounts from my credit file.

Complete and Thorough Reinvestigation of the disputed accounts and correction of all inaccuracies.

Full Removal of all unauthorized, inaccurate, and unverified information from my credit file. 

Investigation into Potential Systemic Violations by Equifax and imposition of severe civil penalties for their willful misconduct. 

Compensatory Damages for emotional distress, financial harm, and reputational damage caused by these unlawful and unauthorized practices. 

Case Law References 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 ) EQUIFAX 's conduct, in concert with XXXX XXXX XXXX XXXXXXXX XXXX  antecedent and ongoing violations, is not merely an administrative oversight ; it is a calculated and malevolent effort to frustrate consumers ' rights under the FCRA, FDCPA, and WCA, and to maintain inaccurate, unlawfully derived data on credit reports. This systemic failure and perpetuation of false information inflict significant and demonstrable financial harm, reputational damage, and severe emotional distress. This egregious behavior necessitates the most severe and immediate intervention by the CFPB to ensure accountability for the willful violations of Federal & State law, impose appropriate penalties, compel strict adherence to federal and state consumer protection laws, and that my credit profile is corrected immediately to prevent further financial harm.

Company response to consumer: Closed with explanation