Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax did not take sufficient steps to intake, process, investigate, and notify me about my consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on my consumer report impacted my ability access to credit, employment, and housing. Equifax ignored my submitted documents and evidence submitted with disputes, allowed previously deleted inaccuracies to be reinserted onto my credit report, provided confusing and conflicting letters to me about the results of its investigations, and " used flawed software code which led to inaccurate consumer credit scores. '' When I disputed errors on my credit report, Equifax conducted sham investigations rather than properly reviewing the disputes as required by federal law. Credit reporting errors have had serious consequences for my finances, and it is critical that Equifax follows the law. Equifax failed in its basic duty to investigate and resolve my disputes about inaccurate information on my credit reports. '' I have filed a small claims lawsuit against Equifax XXXX XXXX, case number XXXX, in the District and County Courts of XXXX XXXX XXXX, Colorado. This action arises from your failure to comply with obligations set forth in the Fair Credit Reporting Act, particularly under sections 15 USC 1681e ( b ), 1681i, and 1681s-2 ( a ). The persistent inaccuracies in my credit report, despite my efforts to dispute them, and your failure to conduct adequate investigations or corrections, have adversely affected my ability to secure credit. Letters were sent on but not limited to the following : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I have been a victim of the following and current CFPB suit claims : " Equifaxs process for submitting disputes limits the ability of consumers to fully and accurately describe their disputes. In many cases, Equifax also failed to consider relevant information submitted by consumers, sometimes not looking at the information at all. Then, after Equifax forwarded information about a dispute to a furnisher, it did not meaningfully consider whether the furnishers response made sense, sometimes ignoring information it had that contradicted the furnishers response. Finally, the resulting letters Equifax sent to consumers sometimes contained confusing or contradictory statements, such as both 'this has been verified as accurate ' and 'this item has been deleted. ' Equifax did not have systems to detect information that was previously removed and block that information from again appearing on the consumers credit report. In addition, Equifax also had no process to identify situations where a consumer is forced to send another dispute about the same inaccurate information because Equifax failed to correct the information the first time, or because Equifax reported information that had previously been corrected. Equifaxs policies limited consumers ability to dispute inaccurate information being put on their credit reports. Finally, Equifax reported credit information that it should have blocked because the information resulted from identity theft.

Coding errors in Equifaxs internal software caused the company to miscalculate and share inaccurate credit scores for several XXXX XXXX consumers. The company also reported the same credit accounts multiple times for more than XXXX consumers. ''

Company response to consumer: Closed with explanation