Consumer complaint received 2025-02-05 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 am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( 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 ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( 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 ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$0.00} Status Account charged off. {$440.00} written off. 
XXXX XXXX XXXX XXXX  Under dispute Date opened XX/XX/XXXX Balance {$710.00} Status Open. 
XXXX XXXXXXXX Under dispute Date opened XX/XX/XXXX Balance {$930.00} Status Account charged off. {$930.00} written off. {$930.00} past due as of XX/XX/XXXX. 
XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$680.00} Status Open. {$180.00} past due as of XX/XX/XXXX. 
XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$2600.00} Status Account charged off. {$2600.00} written off. {$2600.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Under dispute Date opened XX/XX/XXXX Balance {$2500.00} Status Account charged off. {$2500.00} written off. {$2500.00} past due as of XX/XX/XXXX. 
XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$1200.00} Status Closed. {$96.00} past due as of XX/XX/XXXX. 
XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$1800.00} Status Account charged off. {$1800.00} written off. {$1800.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$950.00} Status Closed. {$150.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$1100.00} Status Closed. {$150.00} past due as of XX/XX/XXXX. 
XXXX XXXX dispute Date opened XX/XX/XXXX Balance {$2100.00} Status Closed. {$230.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$15000.00} Status Account charged off. {$24000.00} written off. {$15000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$900.00} Status Open. {$310.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$2000.00} Status Account charged off. {$2000.00} written off. {$2000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$4600.00} Status Open. {$780.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX dispute Date opened XX/XX/XXXX Balance {$440.00} XXXX XXXX account. {$440.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$1100.00} Status Collection account. {$1100.00} past due as of XX/XX/XXXX.

Company response to consumer: Closed with explanation