Consumer complaint received 2025-03-22 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: MO

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Reporting To Whom It May Concern, This letter serves as a formal dispute regarding multiple inaccuracies on my credit report. Despite my previous disputes, these errors remain unresolved, which is not only unacceptable but also a clear violation of the Fair Credit Reporting Act ( FCRA ). I expect full compliance with federal regulations in handling my dispute. Recently, the Consumer Financial Protection Bureau filed a lawsuit against Equifax for his failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB includes : Conducting inadequate investigation that fails to address consumer disputes properly. Reinserting previously disputed inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systematic issues that directly undermine consumer protections and perpetuate the inclusions of inaccurate information on credit reports. I am deeply concerned that my disputes may be handled in a similar manner. Also as I have been a victim of identity theft due to a data breach. This request is made pursuant to 15 U.S.C. 1681c-2 ( a ), which entitles me to have all information resulting from identity theft promptly blocked and removed from my file. Below are the accounts in question : XXXX XXXX : Account No : XXXX account is reported as a charge-off, yet a balance remains. This contradicts standard reporting guidelines and is a clear violation of the FCRA. Additionally, there is a past due balance reported on an already charged-off account, which is another reporting violation. I demand a full reinvestigation and the immediate removal of this inaccurate account from my credit report. Given the multiple reporting violations, this account must be removed immediately. XXXX XXXX XXXX XXXX : Account No : XXXX A charge-off account with an active balance? This is a blatant reporting error. It is concerning that Equifax continues to report inaccurate information on my credit file. I demand the immediate deletion of this account due to its inaccuracy. XXXX XXXX  : Account No : XXXX Another charge-off account with an active balance? Are you sure you know what you're doing? It is concerning that Equifax continues to report inaccurate information on my credit file. I demand the immediate deletion of this account due to its inaccuracy. Please be advised that I am keeping detailed records of all correspondence and actions taken regarding this matter. Should Equifax fail to comply with its legal obligations under the FCRA and fail to correct these inaccuracies within the legally required timeframe, I will have no choice but to escalate this matter, including but not limited to filing a formal complaint with the CFPB and pursuing legal action. I trust that Equifax will take this matter seriously and conduct a thorough and lawful reinvestigation of these disputes. I expect a prompt and satisfactory resolution.

Company response to consumer: Closed with non-monetary relief