Consumer complaint received 2025-10-09 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: TX

Complaint narrative:
CFPB Complaint : Failure to Investigate After Verified Identity Willful Noncompliance ( Equifax ) Product : Credit reporting or other personal consumer reports Issue : Refusal to investigate despite verified identity and certified documentation Complaint Details : This complaint is being filed against Equifax Information Services LLC for refusing to conduct a lawful reinvestigation in violation of the Fair Credit Reporting Act ( FCRA ). I previously submitted a verified dispute through the CFPB under Complaint # XXXX, concerning inaccurate and misleading reporting by XXXX XXXX on my Equifax credit file. That complaint included certified proof of my identity and address a copy of my government-issued ID and utility bill which were mailed certified directly to Equifax with my original dispute. Despite receiving my certified documentation, Equifax closed my complaint without addressing any of the factual inaccuracies. They falsely claimed they still need to verify my identity, even though they have my information on file multiple times from prior certified mailings and through the CFPBs own verified system. Equifax continues to request additional copies of my identification even after I have mailed certified documentation multiple times. Meanwhile, they have never provided me with any documentation verifying that the XXXX XXXX account actually belongs to me. Under the FCRA and FDCPA, it is the credit bureaus and furnishers duty to verify the account not the consumers duty to repeatedly send personal identification. Equifaxs refusal to obtain and provide verification from the furnisher is a direct violation of FCRA 611 ( a ) and a deceptive practice. This repeated behavior shows bad faith and deliberate obstruction. Equifax is using the identity verification excuse to avoid investigating my valid dispute and correcting false data, which directly violates federal law. 
Violations : 1. FCRA 611 ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation once a consumer submits a dispute. 2. FCRA 611 ( a ) ( 2 ) Failure to review all relevant information provided by the consumer ( including my certified proof of identity ). 3. FCRA 611 ( a ) ( 5 ) Failure to delete unverifiable or inaccurate information. 4. FDCPA 809 ( b ) Failure to obtain and provide actual verification of the alleged debt from the furnisher. Equifaxs continued refusal to act after multiple verified mailings and CFPB submissions constitutes willful non-compliance and obstruction of my consumer rights under federal law. 
Resolution Requested : - Immediate deletion of the inaccurate XXXX XXXX account from my Equifax report. - Written confirmation that this account will never be reinserted. - A full investigation by the CFPBs enforcement division into Equifaxs handling of verified disputes and its repeated misuse of identity verification requests to delay or avoid compliance. - Enforcement action or penalties if Equifax continues to ignore verified consumer disputes

Company response to consumer: Closed with explanation