Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Subject : Request for Reinvestigation Failure to Provide Proper Verification of Disputed Accounts by Equifax, XXXX, and XXXX Dear CFPB, I am submitting this formal request for reinvestigation and enforcement action regarding Equifax, XXXX, and XXXX 's failure to properly verify or delete disputed accounts on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/scrub>/2025, I sent formal disputes to all three major credit bureaus requesting the removal of inaccurate and/or unverifiable accounts. They have either responded without adequate documentation or failed to respond with legally sufficient evidence of verification, thereby violating their obligations under the FCRA 611 [ 15 U.S.C. 1681i ] and 609 [ 15 U.S.C. 1681g ].

I am now requesting a formal reinvestigation and enforcement by the CFPB into these violations, and I demand the production of detailed proof of account verification used by each credit bureau. This includes original signed contracts, billing statements, and verification sources for each account listed below : Disputed Accounts : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX Extra Account Number : XXXX XXXX XXXX XXXX XXXX  Account XXXX : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account Numbers : XXXX, XXXX XXXX XXXXXXXX XXXX  Account Numbers : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX Under FCRA 611 ( a ) ( 1 ), the credit bureaus are required to conduct a reasonable reinvestigation. If the information can not be verified, it must be deleted from the credit file within the investigation period under FCRA 611 ( a ) ( 5 ).

Furthermore, FCRA 609 ( a ) ( 1 ) grants me the right to obtain all information in the file and the sources used to verify disputed data. These bureaus have not provided proof of verification, and have instead continued to report these accounts, which is both unlawful and damaging to my credit standing.

If the necessary documentation and verification proof is not provided and these accounts are not removed within 10 days, I demand that all unverified and inaccurate accounts be permanently deleted from my credit report, as required by FCRA 605B ( c ) ( 2 ) [ 15 U.S.C. 1681c-2 ].

Failure to comply will result in further legal action under FCRA 616 and 617, for which I will seek statutory, actual, and punitive damages, in addition to filing complaints with the FTC, state attorney general, and other relevant regulatory bodies.

I am requesting your immediate attention and assistance in ensuring the credit bureaus comply with the FCRA and that my rights as a consumer are fully protected. Please keep me informed of any developments or responses from the credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief