Consumer complaint received 2025-02-03 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:
To Whom It May Concern, I am filing this formal dispute and complaint under 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ) and 15 U.S.C. 1681i due to Equifaxs failure to properly investigate and correct inaccurate information on my credit report. This negligence has adversely affected my financial standing.

Equifaxs Noncompliance with the FCRA and Recent CFPB Enforcement Action On XX/XX/year>2025, the Consumer Financial Protection Bureau ( CFPB ) fined Equifax {$15.00} XXXX for failing to conduct proper investigations of consumer disputes. The CFPB found that Equifax : Ignored consumer documents and evidence submitted with disputes. 
Allowed previously deleted inaccuracies to reappear in credit reports. 
Provided confusing and conflicting communications to consumers regarding dispute investigations. 
Used flawed software, resulting in inaccurate consumer credit scores. 
These findings are detailed in the CFPBs press release : CFPB Orders Equifax to Pay {$15.00} XXXX for Improper Investigations of Credit Reporting Errors.

Violations of Federal Law by Equifax Equifax has violated the following provisions of the Fair Credit Reporting Act ( FCRA ) : Failure to Conduct a Proper Reinvestigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) Equifax is required to conduct a reasonable reinvestigation of disputed information within 30 days. Despite my disputes, Equifax has not fulfilled this obligation.

Failure to Correct or Delete Inaccurate Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ) If a disputed item can not be verified, Equifax must promptly delete or correct the information. The continued reporting of unverified information violates this provision.

Negligent Noncompliance ( 15 U.S.C. 1681o ) Equifaxs failure to exercise reasonable care in handling my disputes constitutes negligence, making it liable for damages.

Disputed Accounts & Inaccuracies The following inaccurate accounts remain on my Equifax credit report :XX/XX/XXXX ( Account Number : XXXX ) Incorrect 30-day late payment reported. 
XXXX XXXXXX/XX/XXXX ( Account Number : XXXX XXXX ) Charged-off account not properly verified. 
XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX ( Account Number : XXXX XXXX ) Discrepancies in reporting balances and payments. 
Formal Demand for Corrective Action I request that Equifax : Provide all documentation used to verify the accuracy of the disputed information.

Correct or delete any information that can not be verified, as required by 15 U.S.C. 1681i ( a ) ( 5 ).

Respond in writing within the legally mandated timeframe.

Provide written confirmation of any changes made to my credit file.

Notice of Legal Escalation If Equifax fails to comply with its obligations under the FCRA, I will pursue my rights under 15 U.S.C. 1681o, including seeking damages for negligent noncompliance.

This letter serves as official notice of my dispute, and I expect Equifax to handle it with the utmost seriousness and in compliance with all legal standards. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief