Consumer complaint received 2025-03-01 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: TX

Complaint narrative:
I am filing a formal complaint against Equifax Information Services LLC for multiple violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Equifax has inaccurately reported information on my credit report, failed to investigate disputes in compliance with federal law, and allowed unauthorized inquiries that have negatively impacted my creditworthiness. 

Equifaxs Failure to Investigate My Disputes On XX/XX/XXXX, Equifax sent me a letter via mail stating that my disputes were deemed frivolous and would not be researched. This action is a direct violation of the FCRA ( 15 U.S.C. 1681i ), which requires consumer reporting agencies to conduct a proper investigation of disputed information within 30 days. By failing to investigate my disputes, Equifax has failed in its duty to maintain accurate consumer reports and protect my rights.

Violations and Inaccurate Information in My Credit Report Incorrect and Outdated Negative Accounts Equifax has reported accounts that should have already been removed due to exceeding the allowable reporting period under the FCRA. 
Specifically, the following accounts contain outdated or inaccurate negative information : Green Dot ( Closed ) Listed as Charge-Off despite having a {$0.00} balance and no delinquent payments since XXXX. 
Lead Bank ( Closed ) Listed as XXXX Days XXXX XXXX even though the balance is {$120.00}, and no valid debt collection attempt has been made. 
XXXX XXXX XXXX XXXX ( Closed ) Incorrectly marked as closed by credit grantor with an unresolved dispute. 
XXXX XXXX XXXX  ( Closed ) Includes late payment history from XXXX that should have aged off my report. 
Fingerhut/WebBank ( Closed ) Still listed with a negative remark for account closure despite the balance being {$0.00} since XXXX. 
Failure to Verify and Correct Disputed Accounts Equifax has reported inaccurate and unverifiable information on the following accounts : XXXX Opened XX/XX/XXXX, yet reported inaccurately as having payment history before the accounts creation. 
XXXX XXXX XXXX ( Active & Closed Accounts ) XXXX multiple duplicate installment loans under different account numbers. 
XXXX XXXX XXXX  XXXX ( Closed ) Incorrectly classified under Installment Accounts despite being a secured account that should not affect my credit score. 
Unwarranted Hard and Soft Inquiries My credit report includes over XXXX inquiries, many of which I did not authorize or that should not be reported. 
Specific violations include : Excessive Soft Inquiries from XXXX XXXX Appears multiple times within short periods without my direct request. 
XXXX XXXX XXXX XXXX Repeated account review inquiries without a valid reason. 
Equifax Information Services Performed multiple automated consumer interviews that appear to have negatively impacted my score. 
Failure to Provide Timely Dispute Resolution I have attempted to resolve these discrepancies with Equifax multiple times, but my disputes have been ignored, dismissed as frivolous, or not investigated within the required XXXX timeframe under the FCRA. 
Request for Complete Deletion of Inaccurate Information Under my rights outlined in the FCRA and the Consumer Financial Protection Bureaus guidelines, I am demanding the following : Immediate and complete deletion of all disputed accounts and inaccurate information from my Equifax credit report.

Remove all unauthorized inquiries that were made without my direct consent.

Written confirmation of the deletions and a corrected copy of my credit report reflecting these removals. 
If Equifax does not resolve this matter promptly, I intend to seek legal action and escalate my complaint to the Federal Trade Commission ( FTC ) and my state Attorney Generals office. 

Conclusion Equifaxs continued failure to comply with federal credit reporting laws has significantly harmed my credit standing. If this matter is not corrected immediately, I will pursue all legal remedies available to enforce my rights, including monetary damages for willful noncompliance under 15 U.S.C. 1681n of the FCRA.

Thank you for your prompt attention to this matter. I expect a response within the legally mandated timeframe.

Company response to consumer: Closed with non-monetary relief