Consumer complaint received 2025-01-31 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Complaint and Demand for Permanent Deletion of All Inaccurate Accounts Due to Multiple FCRA Violations Dear Sir/Madam, I am filing this formal complaint against XXXX for failure to reinvestigate disputed information and repeated violations of the Fair Credit Reporting Act ( FCRA ). Despite multiple disputes and complaints, my credit report continues to reflect inaccurate, outdated, and unauthorized reopenings of accounts, in direct violation of FCRA statutes. 

This letter serves as official notice that I am demanding the permanent deletion and blocking of the following disputed accounts, as well as immediate corrective action. Failure to comply within 30 days will result in legal action under FCRA 1681n and FCRA 1681o. 

Detailed Timeline of XXXX XXXX XXXX XXXX Status Changes ( Further Evidence of Violations ) The XXXX XXXX XXXX XXXX accounts on my XXXX report have been wrongfully reopened multiple times, violating FCRA 1681e ( b ) and FCRA 1681i ( a ). Below is a full timeline of these improper changes : XXXX No new updates yet recorded. 
XXXX ( Multiple Unauthorized Reopenings ) XX/XX/XXXX : Installment Loan : Reopened ( Previously closed ) Credit Card : Reopened ( Previously closed ) XX/XX/XXXX : Installment Loan : Reopened ( Previously closed ) Credit Card : Reopened ( Previously closed ) XX/XX/XXXX : Installment Loan : Reopened ( Previously closed ) Credit Card : Reopened ( Previously closed ) XX/XX/XXXX : Installment Loan : Reopened ( Previously closed ) Credit Card : Reopened ( Previously closed ) XXXX ( Inaccurate Reporting of Charge-Offs ) XX/XX/XXXX : Installment Loan : Marked as Charged-Off ( Unverified Balance ) Credit Card : Marked as Charged-Off ( Unverified Balance ) XXXX ( Prior Payment & Account Status Inaccuracies ) XX/XX/XXXX : Credit Card : Moved to Good Standing ( Previously delinquent ). 
Credit Card : Missed Payment reported. 
XX/XX/XXXX : Credit Card : Paid Off, balance reported as {$0.00}.

Installment Loan : Closed and marked as Paid Off. 
Disputed Negative Accounts on My XXXX Report XXXX. XXXX XXXX XXXX XXXX ( Credit Card ) Account Number : XXXX Balance : {$7900.00} Past Due Amount : {$7900.00} Status : Charged-Off FCRA Violation : Repeated unauthorized reopenings XXXX. XXXX XXXX XXXX XXXX ( Installment Loan ) Account Number : XXXX Balance : {$37000.00} Past Due Amount : {$37000.00} Status : Charged-Off FCRA Violation : Inaccurate balance reporting, repeated reopenings XXXX. XXXXXXXX XXXX XXXX  Account Number : XXXX Balance : {$4500.00} FCRA Violation : Unverified charge-off balance XXXXXXXX XXXX XXXX XXXX  Account Number XXXX XXXX Balance : {$1300.00} Past Due Amount : {$150.00} FCRA Violation : Inaccurate balance and late payment reporting Specific FCRA Violations by XXXX 1681e ( b ) : Failure to maintain accurate reporting procedures.

1681i ( a ) : Failure to properly reinvestigate disputes.

1681i ( a ) ( 5 ) ( B ) : Reinsertion of previously deleted information without consumer notification.

1681c : Reporting of obsolete and outdated information.

1681s-2 : Failure of furnishers to provide verifiable and accurate data.

Complete List of CFPB Complaints Filed Against XXXX I have filed multiple formal complaints against XXXX with the Consumer Financial Protection Bureau ( CFPB ) due to these ongoing violations : Complaint ID XXXX - Filed : XX/XX/XXXX ( Open ) Complaint ID XXXX - Filed : XX/XX/XXXX ( Closed ) Complaint ID XXXX - Filed : XX/XX/XXXX ( Closed ) Complaint ID XXXX - Filed : XX/XX/XXXX ( Closed ) Complaint ID XXXX - Filed : XX/XX/XXXX ( Closed ) Complaint ID XXXX - Filed : XX/XX/XXXX ( Closed ) Complaint ID XXXX - Filed : XX/XX/XXXX ( Closed ) Complaint ID XXXX - Filed : XX/XX/XXXX ( Closed ) Complaint ID XXXX - Filed : XX/XX/XXXX ( Closed ) Complaint ID XXXX - Filed : XX/XX/XXXX ( Closed ) Complaint ID XXXX - Filed : XX/XX/XXXX ( Closed ) Complaint ID XXXX - Filed : XX/XX/XXXX ( Closed ) Requested Action : Permanent Deletion & Blocking of All Accounts I am demanding : Permanent deletion & blocking of all inaccurate accounts. 
Written confirmation of all corrections made. 
Cessation of all inaccurate account reopenings.

If these issues are not corrected within 30 days, I will pursue legal action under FCRA 1681n & 1681o.

Final Notice to XXXX Please acknowledge receipt and confirm corrective actions. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation