Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to formally dispute inaccuracies and unresolved issues on my Equifax credit report. In addition, I am highlighting Equifaxs repeated failures to properly handle disputes, as demonstrated in my case and further substantiated by recent findings from the Consumer Financial Protection Bureau ( CFPB ) fines against Equifax in the sum of {$15.00} XXXX over Equifax 's handling of disputes. Prior Efforts to Resolve : Despite submitting evidence to clarify these items, Equifax has failed to address the disputes adequately or provide me with a meaningful response. Equifaxs Specific Failures in My Case Failure to Investigate My Dispute : My submissions, which included relevant documentation ( e.g., [ list specific documents like payment records, dispute forms, etc. ] ), were ignored or inadequately reviewed. The responses I received contained contradictory statements, leaving me uncertain about whether the matter was resolved or ignored entirely, along with Equifax 's strategic difficulty in getting an agent on the phone/call center tactics.

Reinsertion of Deleted Errors : Errors that were previously corrected on my credit report have reappeared, further undermining the accuracy of my report. Equifax failed to notify me of any verification process or to comply with requirements under the FCRA 611 ( a ) ( 5 ) ( B ) to prevent such reinsertions. Sharing Inaccurate Data : Equifax reported inaccurate credit scores or duplicate account information to creditors, leading to negative financial consequences for me. CFPB Findings Relevant to My Case The CFPB has documented systemic failures by Equifax, including ; Inadequate investigations of consumer disputes, often ignoring consumer-submitted evidence. Failing to block or remove identity theft-related information and reintroducing previously deleted errors. Using flawed systems and software that resulted in inaccurate credit scores and reports. These findings mirror my experience and further demonstrate Equifaxs disregard for its obligations under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ).

Legal Framework and Obligations Under the FCRA, Equifax must : Ensure the maximum possible accuracy of credit reports ( 15 U.S.C. 1681e ( b ) ). Conduct reasonable and thorough investigations of disputes and provide accurate results to consumers ( 15 U.S.C. 1681i ). Notify consumers of the reinsertion of previously deleted information and verify its accuracy ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ). Requested Actions I demand the following actions be taken immediately : Thorough Investigation : Conduct a meaningful and thorough review of the disputed item ( s ) on my credit report. Correction or Removal : Delete or correct inaccurate or unverifiable information promptly. Written Response : Provide a clear, comprehensive, and non-contradictory explanation of the investigation results.

Prevention of Future Errors : Confirm measures to ensure such inaccuracies do not recur on my credit report. Notice of Escalation, I expect acknowledgment of this dispute within 5 business days and resolution within 30 days as required under the FCRA.

Company response to consumer: Closed with explanation