Consumer complaint received 2025-10-29 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: WA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, I submitted multiple written disputes and CFPB complaints to Equifax Information Services LLC concerning serious and repeated violations of the Fair Credit Reporting Act ( FCRA ) and CFPB XXXX XXXX. 

Mailings to Equifax : XX/XX/XXXX : Sent my initial dispute ( LetterStream Job # XXXX, mailed XX/XX/XXXX ) requesting correction and reinvestigation of numerous inaccurate or duplicate accounts including XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and others. 
XX/XX/XXXX : Sent a second dispute ( LetterStream Job # XXXX ) titled Comprehensive FCRA Verification and Reinvestigation Demand citing FCRA 607 ( b ), 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 2 ), 611 ( a ) ( 7 ), and 623 ( a ) ( 1 ) ( A ). Both packages included my valid ID, Social Security card, and XXXX XXXX bill. 

Instead of performing a lawful reinvestigation, on XX/XX/XXXX Equifax mailed XXXX identical form letters falsely stating it could not locate a file or that my disputes were frivolous. These were issued after receiving complete documentation, showing Equifax relied on an automated rejection process rather than a good-faith, reasonable reinvestigation required by 611 ( a ) ( 1 ) ( A ). 

Series of CFPB complaints ( XX/XX/XXXX XX/XX/XXXX XXXX ) : XXXX. XX/XX/XXXX CFPB Case XXXX Reliable Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX entries ; Equifax ignored proof of XXXX and failed to delete duplicates. 
XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX paid in full yet still reported as unpaid. 
XXXX. XX/XX/XXXX Case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ; unlicensed to collect in WA, XXXX contract or itemization provided. 
XXXX. XX/XX/XXXX Case XXXX XXXX XXXX / XXXX XXXX Credit Bureau XXXX TransUnion deleted XXXX Equifax did not. 
XXXX. XX/XX/XXXX XXXX XXXX XXXX & XXXX XXXX XXXX entries for a settled account still reporting active. 
XXXX. XX/XX/XXXX XXXX XXXX XXXX / XXXX vs XXXX XXXX ; same debt reported twice under different names. 
XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX balances and charge-off dates never verified. 
XXXX. XX/XX/XXXX XXXX XXXX XXXX data errors : outdated names and addresses ignored despite prior deletion requests. 
XXXX. XX/XX/XXXX XXXX XXXX Complaint documenting XXXX XXXX XXXX letters dated XX/XX/XXXX and systemic failure to reinvestigate. 
XXXX. XX/XX/XXXX XXXX XXXX Summary complaint detailing XXXX pattern of non-response and FCRA violations XXXX 

Every complaint received the same generic CFPB status noticeEquifax has received your complaint We need more time to reviewwith no substantive response. This shows a consistent pattern of delay, obstruction, and disregard for consumer-protection law. 

Equifaxs repeated use of automated file not found or frivolous letters after receiving valid ID constitutes willful violations of : FCRA 611 ( a ) Failure to conduct reasonable reinvestigation ; FCRA 607 ( b ) Failure to ensure maximum accuracy ; 12 C.F.R. 1022.43 ( a ) ( 3 ) Failure to provide specific reasons for frivolous classification ; RCW 19.182.070 ( 2 ) ( Washington State ) Failure to promptly delete unverifiable information. 

Requested Action : CFPB enforcement to compel Equifax to ( 1 ) perform a manual line-by-line reinvestigation, ( 2 ) produce its internal dispute logs and audit trail, ( 3 ) permanently delete duplicate and unverified accounts, and ( 4 ) cease issuing template frivolous letters after receiving valid proof of identity. Equifaxs actions show reckless and willful non-compliance requiring immediate CFPB supervisory intervention and referral for possible civil penalties under FCRA 616617.

Company response to consumer: Closed with non-monetary relief