Consumer complaint received 2025-01-21 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: FL

Complaint narrative:
I am filing this complaint against Equifax for multiple violations of the Fair Credit Reporting Act ( FCRA ), specifically their failure to provide a description of the procedures used during investigations of disputed items, improper investigation practices, and repeated updating of inaccurate information on my credit report. These actions demonstrate a disregard for the FCRA and highlight systemic issues recently brought to light in the CFPBs lawsuit against Equifax for improper investigation of credit reporting errors.

Details of My Complaint : Failure to Provide a Description of Procedures After disputing inaccuracies in my credit report and requesting Equifax to investigate, I formally requested a detailed description of the procedures they employed to verify the disputed information, as required by FCRA 611 ( a ) ( 7 ) [ 15 U.S.C. 1681i ( a ) ( 7 ) ].

Equifax failed to provide this information, preventing me from understanding the methods or sources they used to verify the disputed data.

Failure to Properly Investigate My Dispute Equifaxs handling of my dispute appears to reflect improper investigation practices. Instead of conducting a thorough investigation as required by FCRA 611 ( a ) ( 1 ), Equifax appears to have relied on automated processes or unverified responses from the creditor, as evidenced by the continued inaccuracies on my credit report. 
This failure demonstrates Equifaxs noncompliance with their obligation to conduct reasonable investigations of disputed information.

Repeated Updates of Inaccurate Information Despite being notified of inaccuracies in the disputed accounts, Equifax has continued to update these accounts on my credit report with the same incorrect information.

This ongoing issue highlights Equifaxs failure to ensure maximum possible accuracy of the information they report, in violation of FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ].

Disputed Accounts These disputed accounts that contain the inaccurate information referenced above, will be attached to the complaint, as well as proof of certified mail delivered.

Harm to Me as a Consumer Equifaxs failure to properly investigate my dispute, provide a description of their procedures, and correct inaccurate information has left me with an erroneous credit report that continues to harm my financial standing. These repeated violations of the FCRA have caused me financial and emotional distress.

Connection to the CFPB Lawsuit Against Equifax : I am aware that the CFPB recently filed a lawsuit against Equifax for failing to adequately investigate credit reporting errors. According to the CFPB, Equifax relied on improper practices, such as automated systems or unverified responses from creditors, which resulted in the perpetuation of errors on consumers ' credit reports. My experience reflects these systemic issues, particularly : Equifaxs reliance on inadequate verification processes.

Equifaxs repeated failure to address and correct disputed inaccuracies, instead perpetuating them through regular updates.

Their lack of transparency in disclosing the procedures employed during investigations.

My Request : In light of these issues, I respectfully request the CFPB to take the following actions : Investigate Equifaxs failure to provide a description of procedures employed in their investigation of my dispute.

Investigate Equifaxs failure to conduct a proper and thorough investigation of the disputed information.

Investigate Equifaxs repeated updating of inaccurate account information on my credit report.

Compel Equifax to delete the disputed accounts from my credit report, as their continued reporting violates the FCRA.

Take appropriate enforcement action against Equifax if they are found to have violated the FCRA in this matter.

Equifaxs repeated noncompliance with the FCRA, as demonstrated by my case and the CFPBs lawsuit, harms consumers and undermines trust in the credit reporting system. I appreciate the CFPBs attention to this matter and look forward to your response.

Company response to consumer: Closed with explanation