Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding Equifax Information Services LLCs repeated failure to comply with its statutory obligations under the Fair Credit Reporting Act ( FCRA ) concerning the accuracy, correction, and deletion of personal identifying information in my consumer file.

Background and Timeline 1. Initial Personal Information Correction Request On XX/XX/year>, I mailed Equifax a written request for correction and deletion of inaccurate personal information in my credit file. This request was sent via certified mail and delivered to Equifax on XX/XX/year>, as confirmed by USPS tracking.

The request specifically sought : Deletion of inaccurate name Deletion of outdated addresses Removal of unnecessary employer information Written confirmation of all corrections and deletions performed Despite confirmed delivery, Equifax failed to provide any written response, failed to complete or disclose a lawful reinvestigation, and failed to provide the required written results within the statutory timeframe.

2. Formal Enforcement / Failure-to-Reinvestigate Notice Due to Equifaxs non-response, I mailed a second letter via certified mail on XX/XX/year>, formally notifying Equifax of its failure to reinvestigate and providing a clear opportunity to cure. This enforcement notice was delivered to Equifax on XX/XX/year>, again confirmed by USPS delivery records.

The enforcement letter explicitly required Equifax, within 15 calendar days of receipt, to : Complete a lawful reinvestigation Permanently delete inaccurate and ALL outdated personal identifiers Provide written results of the reinvestigation, including a list of every correction and deletion made in response to my XX/XX/year> request Provide full description of the reinvestigation process including who conducted the investigation, verification methods, data sources and records used to verify disputed personal information Provide documentation supporting any decision to retain or modify personal information on my file Equifax again failed to respond. As of the expiration of the stated cure period, Equifax has provided no written communication, no investigation results, and no confirmation that the inaccurate personal information has been corrected or deleted. 
Nature of the Violation Equifax has now failed on two separate occasions to meet its obligations to : Conduct a reasonable reinvestigation of disputed personal information Provide written notice of the results of any reinvestigation Maintain maximum possible accuracy of consumer file information These failures constitute non-compliance with Equifaxs duties under the Fair Credit Reporting Act, including the obligation to conduct a reasonable reinvestigation of disputed information and to provide written notice of the results of that reinvestigation, as required by 15 U.S.C. 1681i. This pattern reflects more than an isolated oversight. Equifax was placed on explicit notice of its non-compliance and given an opportunity to cure, yet chose not to respond. 
Harm and Risk to the Consumer The continued reporting of inaccurate personal identifying information exposes me to : Misattribution of accounts Mixed or merged credit files Increased risk of identity-related errors Ongoing inaccuracies that may affect credit decisions Equifaxs failure to respond also deprived me of the transparency and procedural protections guaranteed under federal law.

Company response to consumer: Closed with explanation