Consumer complaint received 2025-05-24 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: NY

Complaint narrative:
Response to Equifax CFPB Complaint Investigation * * Date : * * XXXX * * RE : * * CFPB Complaint Follow-up - Inadequate Investigation * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX * * * * DISPUTE OF INADEQUATE INVESTIGATION I am writing in response to Equifax 's inadequate investigation of my CFPB complaint regarding inaccurate information on my credit report. Your response stating the account was " verified as accurate '' completely fails to address the specific factual inaccuracies I documented.

UNRESOLVED INACCURACIES REQUIRING PROPER INVESTIGATION XXXX. Account Number Discrepancy * * FACT : * * Your credit report shows XXXX XXXX  account " # XXXX * * * * '' * * FACT : * * XXXX 's collection notice references account " ending in XXXX '' * * ISSUE : * * These are clearly different account numbers * * EQUIFAX FAILURE : * * You did not investigate or explain this discrepancy XXXX. Contradictory Date Information * * CREDIT REPORT SHOWS : * * - Date Closed : XX/XX/XXXX - Date Last Active : XX/XX/XXXX - Last Payment Made : XX/XX/XXXX - Maximum Delinquency : 120 days in XX/XX/XXXX and XX/XX/XXXX * * COLLECTION NOTICE STATES : * * - Charge-off date : XX/XX/XXXX - Last payment : XX/XX/XXXX ( matches credit report ) * * ISSUE : * * How can an account be closed on XX/XX/XXXX but charged off on XX/XX/XXXX? 
* * EQUIFAX FAILURE : * * You did not investigate these contradictory dates XXXX. Excessive Interest Calculation * * DOCUMENTED FACTS : * * - Original balance : {$1300.00} ( as of XX/XX/XXXX ) - Interest charged : {$500.00} over approximately 17 months - This represents approximately 38 % annual interest rate * * ISSUE : * * This may exceed legal interest rate limits * * EQUIFAX FAILURE : * * You did not verify the accuracy of these calculations EVIDENCE OF INACCURATE REPORTING I have documented evidence showing multiple systematic violations : * * MATHEMATICAL IMPOSSIBILITIES * * 1. * * Available credit showing- {$430.00} * * ( negative amounts are mathematically impossible ) 2. * * Balance ( {$1800.00} ) exceeding credit limit ( {$1400.00} ) * * creating artificial debt inflation 3. * * Account number mismatch * * between your credit report ( # XXXXXXXX XXXX XXXX XXXX XXXX  ) and collection notice ( ending in XXXX ) XXXX. * * Impossible timeline * * where an account was allegedly closed in XX/XX/XXXX but charged off in XX/XX/XXXX * * FCRA VIOLATIONS DOCUMENTED * * XXXX. * * Failure to investigate prior disputes * * despite " Consumer disputes after resolution '' notation XXXX. * * Ignoring fraud victim initial alert * * on my credit file during investigations XXXX. * * Potentially illegal interest charges * * ( 38 % annually ) that XXXX violate state usury laws XXXX. * * Lack of chain of title documentation * * showing how this debt was legally transferred * * CFPB COMPLAINT FILED * * I have filed a separate CFPB complaint ( # [ complaint number if available ] ) against XXXX XXXX  documenting these same mathematical impossibilities and FCRA violations, further evidencing the systematic nature of these reporting errors. 

FCRA VIOLATIONS IN YOUR INVESTIGATION Your investigation violates the Fair Credit Reporting Act because you : XXXX. * * Failed to conduct a reasonable investigation * * of the specific inaccuracies I identified 2. * * Ignored documented evidence * * of reporting inconsistencies 3. * * Relied on furnisher verification * * without investigating the factual contradictions 4. * * Did not follow proper reinvestigation procedures * * under 15 U.S.C. 1681i LEGAL REQUIREMENTS YOU IGNORED Under the FCRA, you are required to : - Conduct a reasonable investigation of disputed items - Review all relevant information provided by the consumer - Determine whether the disputed information can be verified as accurate - Delete or modify inaccurate information DEMAND FOR PROPER INVESTIGATION I hereby demand that Equifax : 1. * * Conduct a proper reinvestigation * * that addresses each specific inaccuracy I documented 2. * * Explain the mathematical impossibilities * * including negative available credit and balance exceeding credit limit XXXX. * * Explain the account number discrepancy * * between your report ( # XXXXXXXX XXXX XXXX XXXX XXXX XXXX and the collection notice ( ending in XXXX ) XXXX. * * Resolve the contradictory date information * * or delete the inaccurate entries XXXX. * * Address the fraud alert violations * * and explain why my fraud victim status was ignored XXXX. * * Verify the mathematical accuracy * * of all balance and interest calculations XXXX. * * Obtain documentation * * showing the legal transfer of this debt XXXX. * * Delete any information * * that can not be properly verified as accurate XXXX. * * Investigate why prior disputes were inadequately handled * * despite the " Consumer disputes after resolution '' notation NOTICE OF POTENTIAL LEGAL ACTION Your inadequate investigation and continued reporting of inaccurate information XXXX constitute willful non-compliance with the FCRA. I reserve all rights under federal and state law, including the right to seek damages for your violations. 

EVIDENCE ATTACHED This response is supported by : - XXXX  collection notice dated XX/XX/XXXX - Credit reports showing contradictory information and mathematical impossibilities - Documentation of excessive interest calculations- My original debt validation letter to XXXX  I expect a proper reinvestigation within 30 days that addresses each specific inaccuracy I have documented. A form response claiming " verification '' is not sufficient when faced with documented contradictions, mathematical impossibilities, and multiple FCRA violations. 


* * Sincerely, * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX

Company response to consumer: Closed with non-monetary relief