Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
A dispute letter was sent to Equifax on XX/XX/XXXX, XXXX and XX/XX/XXXX. Equifax did not provide any validating or verifiable information that I requested. It appears that these dispute investigations were not conducted properly in accordance with the FCRA. I am writing to dispute multiple inaccuracies on my credit report and to formally request a proper reinvestigation. I have identified errors related to inaccurate late payment information for XXXX, and XXXX, as well as unauthorized or erroneous hard inquiries from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. Despite my previous disputes, proper investigations were never conducted, and the inaccuracies persist on my report. Furthermore, I do not consent to Equifax utilizing any automated system for handling my disputes. Equifax failed to meet the reasonable reinvestigation requirements of the FCRA XXXX, including, among other things, by failing in some instances to review and consider all relevant information in processing consumer submitted disputes regarding the accuracy of information in their credit files as outlined in the CFPB lawsuit ( XXXX XXXX. XXXX ). Specifically, since at least XX/XX/XXXX, the CFPB found that Equifax 's flawed Dispute policies and processes as well as other technology failures resulted in inaccurate or incomplete information remaining on XXXX XXXX to the detriment of millions of consumers. Equifax violated requirements of the Fair Credit Reporting Act throughout the Dispute reinvestigation process. Further, in some instances, Equifax failed to timely block consumer information resulting from identity theft and provided inaccurate credit scores and consumer report information to lenders and others in violation of the Fair Credit Reporting Act and the Consumer Financial Protection Act. Specifically, Equifax violated the Fair Credit Reporting Act and the Consumer Financial Protection Act in the following ways : Equifax failed to meet the reasonable reinvestigation requirements of the FCRA XXXX, including, among other things, by failing in some instances to review and consider all relevant information in processing consumer submitted disputes regarding the accuracy of information in their credit files ; XXXX XXXX Document XXXX Filed XX/XX/XXXX Page XXXX of XXXX Equifax committed unfair acts and practices by using ineffective systems and flawed processes with known limitations, information loss, and excessive deference to furnishers to reinvestigate consumer disputes, in violation of the XXXX, XXXX U.S.C. XXXX and XXXX ; Equifax failed to maintain reasonable procedures to assure maximum possible accuracy of consumer information related to its processing of consumer disputes, in violation of the requirements of FCRA XXXX ( b ) ; Equifax failed in some instances to timely block the reporting of identity-theft related information in consumers files and failed to provide consumers with required identity theft notifications and information, in violation of the requirements of FCRA XXXX ; Equifax failed XXXX maintain reasonable procedures to assure maximum possible accuracy of consumer information when, as a result of a coding error, it provided inaccurate credit scores and credit attributes to lenders and others, in violation of the requirements of FCRA XXXX ( b ) ; and Equifax committed XXXX acts and practices when, as a result of a coding error, it provided inaccurate credit scores and credit attributes to lenders and others, in violation of the XXXX, XXXX U.S.C. XXXX and XXXX. Thank you for your prompt attention to this matter. I look forward to receiving a resolution. Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief