Consumer complaint received 2025-03-18 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Civil Liability for Negligent Noncompliance Under FCRA Section 1681o Dear Equifax : I am writing to formally dispute the reporting and handling of my credit information as it pertains to a claim of negligent noncompliance under Section 1681o of the Fair Credit Reporting Act ( FCRA ), which holds a party liable for negligent failure to comply with the requirements outlined in the Act.

I believe that you have reported inaccurate information regarding the accounts below and failed to fix those errors in your previous investigations, and that this negligence has resulted in harm to my creditworthiness and overall financial standing. As a result, I am asserting my right to pursue civil liability under Section 1681o of the FCRA. 
Details of the Dispute : 1. XXXX XXXX - The reported information is incorrect, and you did not take reasonable steps to verify it. I am not the owner of this account. Please Remove and Delete from my credit report. 
2. XXXX XXXX XXXX XXXXXXXX- The reported information is incorrect, and you did not take reasonable steps to verify it. Please Remove and Delete from my credit report. 
3. XXXX XXXX - XXXX reported information is incorrect, and you did not take reasonable steps to verify it. I am not the owner of this account. Please Remove and Delete from my credit report. 
4. XXXX XXXX XXXXXXXX - The reported information is incorrect, and you did not take reasonable steps to verify it. Please Remove and Delete from my credit report. 
5. XXXX XXXX XXXX XXXX - The reported information is incorrect, and you did not take reasonable steps to verify it. Please Remove and Delete from my credit report. 

6. XXXX XXXX XXXX XXXX XXXX- The reported information is incorrect, and you did not take reasonable steps to verify it. I am not the owner of this account. Please Remove and Delete from my credit report. 
7. XXXX XXXX XXXX XXXX- The reported information is incorrect, and you did not take reasonable steps to verify it. Please Remove and Delete from my credit report. 
8. XXXX XXXX XXXX XXXX- The reported information is incorrect, and you did not take reasonable steps to verify it. Please Remove and Delete from my credit report. 
9. XXXX XXXX XXXX XXXX - The reported information is incorrect, and you did not take reasonable steps to verify it. Please Remove and Delete from my credit report. 
10. XXXX XXXX XXXX XXXX- The reported information is incorrect, and you did not take reasonable steps to verify it. Please Remove and Delete from my credit report. 
11. XXXX XXXX XXXX XXXX - The reported information is incorrect, and you did not take reasonable steps to verify it. I am not the owner of this account. Please Remove and Delete from my credit report. 
12. XXXX XXXX XXXX XXXX- The reported information is incorrect, and you did not take reasonable steps to verify it. I am not the owner of this account. Please Remove and Delete from my credit report. 
13. XXXX XXXX XXXX XXXX- The reported information is incorrect, and you did not take reasonable steps to verify it. Please Remove and Delete from my credit report. 
14. XXXX XXXX XXXX XXXXXXXX - The reported information is incorrect, and you did not take reasonable steps to verify it. I am not the owner of this account. Please Remove and Delete from my credit report. 
15. XXXX XXXX XXXX XXXXXXXX - The reported information is incorrect, and you did not take reasonable steps to verify it. I am not the owner of this account. Please Remove and Delete from my credit report. 
16. XXXX XXXX XXXX - XXXX reported information is incorrect, and you did not take reasonable steps to verify it. Please Remove and Delete from my credit report. 
Under FCRA Section 1681o, a party may be held civilly liable for negligent noncompliance, and I am requesting that you immediately review this matter and take corrective actions. This includes but is not limited to : 1. Investigation and correction of the erroneous information.

2. Immediate update of my credit report to reflect the accurate information.

3. Compensation for any damages caused by your failure to comply with the FCRA. 
As provided under the FCRA, I am requesting a written response within XXXX days of receipt of this letter. If you fail to comply or provide an unsatisfactory response, I will pursue further legal action to enforce my rights under the law. 
Please send any written correspondence to the address listed above, and feel free to contact me if additional information is needed to facilitate the investigation and resolution of this issue. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief