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: TN

Complaint narrative:
To Whom It May Concern, This letter serves as an official rebuttal to the outcome of my dispute regarding the XXXX XXXX XXXX account ( Account # : XXXX ), which is still inaccurately reported on my Equifax credit file despite my previous dispute filed through the Consumer Financial Protection Bureau ( CFPB Complaint ID : XXXX ). 

Equifax responded stating that the account was verified and updated, but no meaningful corrections were made. Instead, the core inaccuracies remain, indicating a failure to conduct a proper reinvestigation under the Fair Credit Reporting Act ( FCRA ). 

Key Ongoing Violations and Inaccuracies : 1. Incorrect Account Type This account is a collection account but is still listed as an Open account on my Equifax credit report. This misrepresents the nature of the debt and violates FCRA 623 ( a ) ( 1 ), which prohibits furnishing inaccurate information.

2. Misleading Payment History The account shows a history of OK payments even though it is reported as a charge-off/collection account. Such reporting is materially misleading and violates FCRA 607 ( b ), which requires maximum possible accuracy. 
3. Lack of Proper Reinvestigation Equifax stated the account was verified but failed to provide any proof of a signed agreement or documentation validating the debt. Under FCRA 611 ( a ) ( 5 ) ( A ), the credit bureau must delete disputed data if the furnisher fails to verify it adequately.

4. Failure to Update and Correct The information across credit bureaus is inconsistent, including different Date Last Active and credit limit fields. This violates FCRA 623 ( a ) ( 2 ), which requires data furnishers to promptly correct and update incomplete or inaccurate information. 
5. Misleading Representation Even if some fields are technically accurate, the overall portrayal of this account is misleading, which the FTC and CFPB have both interpreted as a violation of the FCRA.

6. Pattern of Noncompliance In 2023, the CFPB fined Equifax {$15.00} million for failing to properly investigate consumer disputes. Equifaxs handling of my complaint appears to reflect similar conduct outlined in that case, including failure to correct verified inaccuracies and inadequate reinvestigations. 

Requested Resolution : - Immediate and permanent deletion of the XXXX XXXX XXXX account from my Equifax credit report. 
- Written confirmation of deletion and correction. 
- A detailed explanation of how the verification was conducted, along with supporting documentation. 

Supporting Documentation Provided : - Screenshot of inaccurate reporting. 
- Original CFPB complaint ID and outcome.

- Copy of my drivers license, Social Security card, and proof of address.

This is a formal demand for full compliance with the Fair Credit Reporting Act. Failure to comply will result in further legal escalation, including an updated CFPB complaint and referral to legal counsel. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX

Company response to consumer: Closed with non-monetary relief