Consumer complaint received 2025-01-22 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: SC

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my many submissions and dispute filings, Equifax consistently responds within XXXX hours stating that the accounts have been verified and are accurate, without even providing me with any evidence of a thorough investigation This practice violates the FCRA 15 U.S.C 1681i which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the consumer financial protection act 12 U.S.C 5536 ( a ) ( 1 ) ( A ) ( B ) as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violation. I request that the CFPB take immediate action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

Accounts that I have disputed several times are as followed : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account shows a date open on XXXX as XX/XX/XXXX but my Equifax is showing XX/XX/XXXX and XXXX as well. The high credit limit on my Equifax is XXXX but on XXXX as XXXX and none on XXXX. And lastly the date of the last payments is not matching across the board with XXXX and XXXX with a date of XX/XX/XXXX and you guys Equifax saying it was XX/XX/XXXX Please remove from my credit report immediately for the inaccuracies. 
XXXX. XXXX, Account # XXXX was for my Equifax and XXXX XXXX for XXXX and XXXX when XXXX checked on XX/XX/XXXX. Now on XX/XX/XXXX the same accounts are reporting twice with different account numbers, and the acct number for Equifax was changed again to XXXX, this is wrong in so many ways and needs to be removed immediately. Also, the date of last payment is different XXXX and XXXX XX/XX/XXXX and Equifax XX/XX/XXXX XXXX. XXXX  Account # XXXX This account is still reporting on my Equifax but was deleted from my XXXX report, this account should be removed from here as well not only for it being deleted but for the inaccuracies on the account as well. The date of the last payment on XXXX is XX/XX/XXXX but how is it saying my last payment was on XX/XX/XXXX on my Equifax, obviously this is inaccurate and needs to be removed immediately. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXXPlease remove as well from my credit profile for inaccuracies such as date last active on XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and Equifax XX/XX/XXXX XXXX Also, if the account is in charge off status why is it reporting balance of {$360.00} this is also an inaccuracy, and this account needs to be removed because of it. 
XXXX. XXXX Account # XXXX This account is reporting several inaccuracies as well such as date last active : XXXX XX/XX/XXXX XXXX XX/XX/XXXX my Equifax XX/XX/XXXX last XXXX as well is again different across all three bureaus XXXX XX/XX/XXXX XXXX XX/XX/XXXX and Equifax XX/XX/XXXX please remove from credit profile immediately. 
XXXX. XXXX Account # XXXX This account appears to be on my credit report multiple times please delete. All information is the same as just the original creditor XXXX says XXXX and the other XXXX I XXXX XXXX XXXX. XXXX Account # XXXX Please remove from my credit report immediately for inaccuracies. Date opens wrong across all XXXX, XXXX XXXX XXXX XX/XX/XXXX and Equifax XX/XX/XXXX date of XXXX payment XXXX XX/XX/XXXX XXXX XX/XX/XXXX and no date for you Equifax. There is more but I will just highlight it. Please remove for inaccuracies as well. 
XXXX. XXXX XXXX XXXX Account # XXXX This account shows paid for Equifax and XXXX but closed on XXXX XXXX Im sure that is an error there as well as date open XX/XX/XXXX for XXXX and XX/XX/XXXX for Equifax and XXXX. The payment history is not making any sense as well with XX/XX/XXXX of XXXX and XXXX are reporting ok balances you Equifax is reporting 60 days late XX/XX/XXXX but for several months before that it was paid on time. This account needs to be removed for inaccuracies and discrepancies.

Company response to consumer: Closed with non-monetary relief