Consumer complaint received 2025-01-23 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: OH

Complaint narrative:
Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX Re : Ongoing Dispute Regarding Account : THD/CBNA XXXX To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of the account referenced above. Equifax has been the sole credit reporting agency furnishing this false information, despite my repeated efforts to notify you that I do not own this account or the alleged debt. This ongoing inaccuracy is in clear violation of the Fair Credit Billing Act ( 15 U.S.C. 1666b ) and the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ).

To date, I have provided substantial evidence demonstrating that this account does not belong to me. Additionally, in case number XXXX, XXXX XXXX in XXXX XXXX concluded that I am not liable for this debt. The case details are publicly accessible on the XXXX XXXX website : XXXX XXXX XXXX 
Violations of Federal Law 1. Failure to Promptly Investigate and Correct Errors : Under 15 U.S.C. 1666b, Equifax is required to investigate disputes and correct inaccuracies. Despite my providing court documentation and proof, Equifax continues to furnish false information about this account.

2. Failure to Safeguard and Ensure Accurate Reporting : Under 15 U.S.C. 6802, Equifax is obligated to protect consumer data and ensure accurate reporting. By furnishing and maintaining false information, Equifax has failed to meet its legal obligations.

CFPB Fine and Equifaxs Pattern of Misconduct In XXXX, the Consumer Financial Protection Bureau ( CFPB ) fined Equifax {$3.00} XXXX for its mishandling of credit reports, including issues involving false and inaccurate information on consumer files. This fine underscores Equifaxs history of violating federal laws governing fair and accurate credit reporting.

Additionally, Equifax has faced legal action for similar misconduct : XXXX v. Equifax ( XXXX ) : Equifax settled claims for failing to correct inaccuracies on credit reports, resulting in financial harm to consumers. 
In re Equifax , Inc . XXXX XXXX XXXX XXXX XXXX ( XXXX ) : While this case focused on a data breach, it further demonstrates Equifaxs pattern of negligence in safeguarding consumer information.

These examples, coupled with the current issue, highlight a systemic failure to comply with legal obligations and to act in good faith to protect consumers.

Requested Action I am requesting that Equifax : XXXX. Immediately remove the inaccurate account XXXX XXXX from my credit report. 
XXXX. Provide a written statement confirming the removal of the account and an updated credit file. 
XXXX. Confirm compliance with federal laws outlined in this letter. 
Failure to comply with this request may result in additional action, including complaints to the CFPB, FTC, and other regulatory agencies, also legal proceedings to recover damages caused by your negligence will be filed. 
I expect this matter to be resolved within 15 days, as required under the Fair Credit Reporting Act ( FCRA ). 

INQUIRES TO BE REMOVED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief