Consumer complaint received 2024-11-25 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Information Services CC : CFPB complaint number 2 Subject : Ongoing Issue with Incorrect XXXX Reporting by Equifax and Request for Assistance Dear Sir/Madam , I hope this letter finds you well. I am writing to seek the assistance of the Consumer Financial Protection Bureau ( CFPB ) in resolving an ongoing issue with Equifax 's failure to properly investigate and remove inaccurate information from my credit report, specifically related to a XXXX filing that does not belong to me. 

Background and Timeline : Initial Dispute : On XX/XX/XXXX, I wrote to the XXXX XXXX XXXX XXXX requesting clarification regarding a reported XXXX I received a response stating that the court does not provide consumer data to Equifax, XXXX, or any other credit reporting agency. This confirms that the XXXX entry on my credit report is inaccurate and does not reflect my own financial history. 

Dispute with Equifax : In light of the courts response, I submitted XXXX separate dispute letters to Equifax ( including notarized affidavits ) on multiple occasions, requesting that they investigate and remove the false XXXX information. However, despite these efforts, Equifax has failed to resolve the issue. 

Equifaxs Response : In response to my disputes, Equifax sent a letter that stated : " PLEASE BE SPECIFIC WITH YOUR CONCERNS BY LISTING THE ACCOUNT NAMES, NUMBERS, AND THE NATURE OF THE DISPUTE. NON-REPORTING DISPUTES : Trade. '' This response failed to address the specifics of my dispute or the inaccuracies surrounding the XXXX listing. Instead, it focused on general guidelines for disputes but did not offer any meaningful solution or verification regarding the XXXX entry in question.

Request for Information : I also contacted Equifax directly, asking for documentation about the third-party source they used to report this XXXX To date, I have received no response, and the false XXXX  entry remains on my credit report.

Failure to Fulfill FCRA Obligations : Despite multiple attempts to resolve this matter, Equifax has not fulfilled its duties under the Fair Credit Reporting Act ( FCRA ) to investigate and remove the inaccurate information. They have failed to properly verify the source of the XXXX data, and have neglected to update my credit file accordingly. 

Case Details : XXXX Reference Number : XXXX Court Case Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of XXXX  Report : XX/XX/XXXX I have attached copies of the correspondence with the XXXX XXXX, my dispute letters to Equifax, and Equifaxs responses, including their failure to provide proper verification of the XXXX information. 

Request for Action : Given that this is my second complaint to the CFPB regarding this matter, and that Equifax has shown willful neglect in addressing this issue, I respectfully request that the CFPB intervene to ensure the following : Immediate Investigation and Removal of the incorrect XXXX  information from my credit report. 
Monetary Relief for the damages I have suffered due to the false reporting, including any negative impact on my credit score, financial opportunities, and emotional distress. 
Accountability for Equifaxs Failure to comply with the Fair Credit Reporting Act and their failure to properly investigate and respond to my disputes. 
I am hopeful that with the CFPB 's involvement, this issue can be resolved promptly and fairly. Thank you for your time and attention to this serious matter. I look forward to your response and a resolution to this ongoing issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation