Consumer complaint received 2025-01-30 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 filed multiple disputes with Equifax since XX/XX/XXXX regarding inaccurate accounts on my credit report. Equifax failed to comply with the Fair Credit Reporting Act ( FCRA ) in multiple ways : 1. Late Response Violation of FCRA Section 611 ( a ) ( 1 ) Under FCRA Section 611 ( a ) ( 1 ), Equifax had 30 days to complete an investigation and provide dispute results.

Equifax failed to respond within the legally required 30-day timeframe, violating federal law. 
Despite this delay, Equifax still refused to delete the accounts and failed to provide a proper verification process. 
2. Failure to Provide a Method of Verification ( MOV ) Violation of FCRA Section 611 ( a ) ( 7 ) When Equifax " verified '' the accounts, I formally requested the Method of Verification ( MOV ), as is my legal right under the FCRA.

Equifax failed to provide any documentation or proof explaining how they verified the accounts.

The FCRA requires them to disclose their verification process upon request, and they did not comply.

3. Failure to Conduct a Proper Investigation Violation of FCRA Section 611 ( a ) ( 2 ) Equifax did not conduct a meaningful investigation into my disputes and merely marked the accounts as verified without explaining how this verification occurred.

They updated certain data fields but did not verify the accuracy of the reported information. 
Updating information instead of verifying it does not constitute a proper investigation and is a direct violation of FCRA Section 611 ( a ) ( 2 ).

4. Failure to Remove Unverifiable Information Violation of FCRA Section 611 ( a ) ( 5 ) Since Equifax failed to properly verify the accounts, they were required to delete the inaccurate information.

Equifax did not comply with this requirement and continued reporting unverifiable data. 
The FCRA mandates that any disputed account that can not be properly verified must be deletedEquifax ignored this obligation. 
5. Sending Correspondence to the Wrong Address Violation of FCRA Section 609 ( a ) ( 1 ) Equifax repeatedly sent dispute responses to the wrong address, despite me providing my correct address multiple times through certified mail with return receipts and an affidavit of my address. Because of this, I did not receive dispute results in a timely manner, further delaying my ability to correct errors on my credit report. Equifax has a legal duty under FCRA Section 609 ( a ) ( 1 ) to maintain accurate consumer file information, including my co
rrect address, and they failed to comply. 

Recent CFPB Actions Against Equifax Support My Case XX/XX/XXXX T

he CFPB fined Equifax {$15.00} million for failing to : Conduct proper investigations of consumer disputes. Remove inaccurate or unverifiable information. Prevent deleted errors from reappearing on reports. This is exactly what Equifax has done in my casefailing to conduct a real investigation, failing to verify accounts, and failing to delete inaccurate information.

Company response to consumer: Closed with non-monetary relief