Consumer complaint received 2025-01-15 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Urgent Follow-Up on CFPB Complaints and Request for Deletion of Inaccurate Information Dear Equifax, XXXX am writing to formally address ongoing issues regarding your reporting of a bankruptcy and erroneous account information on my credit report. This letter references my previous CFPB complaints : Complaint # XXXX Complaint # XXXX Complaint # XXXX Complaint # XXXX Equifax has repeatedly claimed that XXXX is verifying XXXX bankruptcy. However, I have provided both the CFPB and Equifax with a copy of my opt-out letter from XXXX, and I now have a screenshot of my XXXX report showing no bankruptcy on file. This raises serious concerns about how Equifax is verifying this information. 

Additionally, the accounts listed below are being reported inaccurately as having past-due balances despite being closed : XXXX XXXX  ( XXXX accounts with the same number ) Amounts : {$890.00}, {$1000.00} XXXX XXXX Amount : {$15000.00} XXXX XXXX XXXX  Amount : {$3700.00} XXXXXXXX XXXX Amount XXXX {$1200.00} XXXX Amount XXXX {$1900.00} XXXX XXXX Amounts : {$15000.00} XXXX XXXX  -- Amount : {$530.00} ( I never had a contract with this company, previously disputed this and asked for proof only to be responded with " this account has been verified and will not be removed. ) XXXX -- Amount {$750.00} ( I never had a contract with this company, previously disputed this and asked for proof only to be responded with " this account has been verified and will not be removed. ) XXXX XXXX XXXX -- Amount {$1200.00} ( I never had a contract with this company, previously disputed this and asked for proof only to be responded with " this account has been verified and will not be removed. ) Closed accounts can not legally carry past-due balances. My disputes regarding these inaccuracies have been dismissed with responses stating, Your information has been verified and will stay on your report, yet no proof has been provided to support this claim. 

Violation of the Fair Credit Reporting Act ( FCRA ) Under 15 U.S.C. 1681i, Equifax is required to : Conduct a reasonable reinvestigation of disputed information when notified by a consumer. 
Provide all relevant data regarding the dispute to the furnisher of the disputed information. 
Correct or delete inaccurate, incomplete, or unverifiable information within 30 days of receiving the dispute. 
Since these accounts are inaccurately reported and Equifax has failed to verify the disputed information, I am requesting the immediate deletion of the closed accounts listed above from my credit report. 
Actions Requested Delete Inaccurate Closed Accounts : Remove the accounts listed above entirely from my credit report, as they are being inaccurately reported and have not been verified. 
Remove the Bankruptcy Entry : Delete the bankruptcy entry as it is unverifiable, according to the documentation I have provided.

Provide Proof of Investigation : Supply verifiable evidence to support the accuracy of any retained information.

If Equifax fails to properly address these issues, I will escalate this matter by filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action to enforce my rights under the FCRA. 

I request a written response within 30 days of receipt of this letter. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief