Consumer complaint received 2025-01-25 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: TX

Complaint narrative:
I am filing this complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. 

I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. Below, I have detailed the specific accounts, inquiries, and inaccuracies that I am disputing : XXXX. XXXX XXXX XXXX ( {$72.00} ) This closed account has been paid in full, and I have confirmation from an agent that the account would be deleted upon payment. Equifaxs failure to honor this agreement and delete the account violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting inaccurate information, and 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a reasonable investigation upon dispute. 

XXXX. XXXX XXXX ( {$1100.00} ) This closed account was disputed, but Equifax failed to perform a proper investigation, instead falsely verifying the account as accurate. This violates 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which mandates thorough investigations, and 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy in credit reporting. 

XXXX. Unauthorized Inquiries XXXX ( Inquiry Date : XXXX XXXX, 2023 ) XXXX  ( Inquiry Date : XX/XX/year> ) These inquiries were not authorized by me and therefore violate 15 U.S.C. 1681b, which restricts permissible purposes for accessing consumer reports. I have disputed these inquiries with Equifax, yet they remain on my credit file. They must be deleted immediately as they were neither initiated by me nor permissible under law. 

XXXX. XXXX XXXX ( {$5800.00} ) I disputed this collection account and requested reinvestigation, but Equifax failed to conduct a reasonable investigation, instead falsely verifying the account as accurate. This violates 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and fails to comply with 15 U.S.C. 1692g ( b ) under the Fair Debt Collection Practices Act ( FDCPA ), which requires validation of debts upon dispute. I demand the deletion of this account. 

XXXX. Incorrect Employment InformationEquifax is reporting that I am employed by XXXX XXXX, which is inaccurate. I am XXXX. Reporting inaccurate employment information violates 15 U.S.C. 1681e ( b ), which mandates the maintenance of maximum possible accuracy. I request the immediate removal of this incorrect employment data.

Summary of Violations : Failure to conduct a reasonable investigation as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Reporting inaccurate information in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and 15 U.S.C. 1681e ( b ).

Failure to remove unauthorized inquiries in violation of 15 U.S.C. 1681b.

Non-compliance with validation requirements under 15 U.S.C. 1692g ( b ). 

Requested Resolution : Immediate deletion of the following : XXXX XXXX XXXX ( {$72.00} ) XXXX XXXX ( {$1100.00} ) XXXX Inquiry ( XXXX XXXX, 2023 ) XXXX Inquiry ( XX/XX/year> ) XXXX XXXX ( {$5800.00} ) Immediate correction of employment information to reflect XXXX 

I expect the CFPB to hold Equifax accountable for these violations and ensure compliance with federal law. Enclosed, I have attached supporting documents, including my correspondence with Equifax, payment confirmation, and dispute attempts. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief