Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Subject : Formal Complaint FCRA Violations Pertaining to my consumer report To Whom It May Concern, I am writing to formally report and dispute several violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically as they pertain to the handling of disputed items and alleged verification of accounts associated with my consumer report. 

Despite my multiple dispute submissions over the last XXXX months, the items in question have not been corrected, updated, or removed from my consumer report. Instead, I have been told that the accounts were verified yet no documentation or evidence has been provided to substantiate these claims. According to the FCRA, this lack of transparency and continued inaction constitutes a clear violation of federal law. 

Violated FCRA Statutes : 15 U.S. Code 1681i Procedure in case of disputed accuracy Under this section, a credit reporting agency must : Conduct a reasonable reinvestigation within XXXX XXXX  of receiving a dispute. 
Provide the consumer with written results of the reinvestigation. 
Delete or modify inaccurate, incomplete, or unverifiable information. 
In this case, the failure to update, remove, or even provide proper verification within the statutory timeframe is a direct violation. 
15 U.S. Code 1681s-2 ( b ) Responsibilities of furnishers of information When a furnisher of information ( such as a creditor or lender ) is notified of a dispute, they are legally obligated to : Conduct an investigation with respect to the disputed information. 
Review all relevant information provided by the consumer reporting agency. 
Report the results of the investigation to the agency. 
If information is found to be inaccurate or unverifiable, it must be promptly corrected or deleted. 
Based on the prolonged inaction and lack of documentation, these responsibilities appear to have been ignored. 
15 U.S. Code 1681e ( b ) Accuracy of report This section mandates that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information. 
Continuing to report unverified or disputed accounts without reinvestigation fails to meet this standard. 
Summary of Violations : Verified accounts were allegedly confirmed without providing any documentation or proof. 
Disputed items have remained on file for over XXXX XXXX, far beyond the XXXX requirement. 
No evidence of proper reinvestigation or compliance with Section 1681i or 1681s-2 ( b ) has been provided.

These practices undermine my rights as a consumer and have caused unwarranted harm to my creditworthiness. 
Requested Action : I am requesting the immediate reinvestigation and removal or correction of all disputed items associated with XXXX XXXX. Failure to comply XXXX result in escalation to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other appropriate regulatory or legal channels. 

I reserve all rights to pursue legal remedies and damages for continued non-compliance under 15 U.S. Code 1681n ( civil liability for willful noncompliance ) and 1681o ( civil liability for negligent noncompliance ).

Company response to consumer: Closed with non-monetary relief