Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am filing this complaint against Equifax for their failure to respond to my dispute letter dated XX/XX/year>, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which requires consumer reporting agencies to conduct a reasonable reinvestigation of disputed information within 30 days of receiving a consumers dispute. 
On XX/XX/year>, I mailed a dispute letter to Equifax requesting an investigation into the following inaccurate negative accounts and bankruptcy entries on my credit report : XXXX XXXX  - Account Number XXXXXXXX XXXX XXXX XXXX XXXX : This account is reported inaccurately, and Equifax has failed to provide verification or correct the errors. 
XXXX XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX This account is also reported inaccurately, with no evidence of proper verification provided. 
XXXX XXXX - Account Number XXXXXXXX XXXX XXXX XXXX XXXX : This account is also reported inaccurately, with no evidence of proper verification provided. 
XXXX - Account Number XXXX XXXX XXXX XXXX XXXX  : This account is also reported inaccurately, with no evidence of proper verification provided. 
XXXX  XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX  : This account is also reported inaccurately, with no evidence of proper verification provided. 
XXXX XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX : This account is also reported inaccurately, with no evidence of proper verification provided. 
XXXX XXXX  XXXX. - Account Number XXXXXXXX XXXX XXXX XXXX XXXX : This account is also reported inaccurately, with no evidence of proper verification provided. 
XXXX XXXX - Account Number XXXXXXXX XXXX XXXX XXXX XXXX : This account is also reported inaccurately, with no evidence of proper verification provided. 
XXXX - Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX : This account is also reported inaccurately, with no evidence of proper verification provided. 
Bankruptcy Reporting : Federal Reference Number : XXXX, Court Name

: US DIST CT This entry is incomplete and lacks verification details. In my dispute letter, I specifically requested that Equifax provide details on how and from whom they are verifying the bankruptcy entries. To ensure my identity wa
s verified, I included copies of my government-issued ID, Social Security card XXXX and proof of address with the dispute letter. 
Subsequently, I sent another dispute letter to Equifax dated XX/XX/year>. Despite my clear and thorough request, I did not receive any response from Equifax with investigation results. Trying for the third ( 3rd ) time I sent another dispute letter on XX/XX/year>. 
As of XX/XX/year>, Equifax has not responded to my dispute letter, failing to meet the 30-day requirement for conducting a reinvestigation under FCRA 1681i. This non-response constitutes a direct violation of my consumer rights and has prevented me from ensuring the accuracy of my credit report.

Due to Equifaxs failure to comply with FCRA requirements, I am demanding the permanent removal of the disputed items below on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Public Record - Reference Number : XXXX ( Court name : US DIST CT ) from my credit report.

Impact of Equifaxs Actions : Equifaxs failure to respond to my dispute has caused significant harm, including potential damage to my credit score, financial opportunities, and emotional distress. Their inaction has hindered my ability to correct inaccurate information, undermining my consumer rights under the FCRA.

Company response to consumer: Closed with non-monetary relief