Consumer complaint received 2025-03-11 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: TX

Complaint narrative:
I am filing this complaint due to Equifaxs mishandling of my dispute, which has violated the Fair Credit Reporting Act ( FCRA ) 611 ( a ) & ( f ). Equifax has failed to properly investigate my claims and provided conflicting responses. 
XXXX. Conflicting Responses on XX/XX/XXXX : On XX/XX/XXXX, I received XXXX separate letters from Equifax : XXXX letter claimed they could not locate my credit file. 
The other letter stated that my dispute regarding XXXX XXXX XXXX had been deemed frivolous and would not be reinvestigated, citing that I had disputed it twice in 90 days. 
These responses contradict each other. If Equifax could not locate my credit file, how could they simultaneously claim I had disputed the same item twice? 
XXXX. Failure to Properly Investigate Before Declaring a Dispute Frivolous : While I acknowledge that the disputes were within 90 days of each other ( XXXX on XX/XX/XXXX and the other on XXXX ), Equifax still failed to conduct a proper investigation, as required under FCRA 611 ( a ) ( 3 ). 
Despite the timing, Equifaxs process still appears flawed as they did not provide sufficient details regarding their investigation, including the method of verification or proof of the accuracy of the reported information, which violates FCRA 611 ( a ) ( 7 ). 
XXXX. Contradictions in Account Balances Between Equifax and XXXX XXXX Auto : The balance reported by Equifax for my XXXX XXXX XXXX account is {$3700.00}, while the actual balance listed with XXXX XXXX XXXX is {$3500.00}. 
This discrepancy shows that Equifax has failed to verify the accuracy of the information, which further complicates their already flawed investigation. 
XXXX. Failure to Conduct a Reasonable Investigation : Despite my dispute, Equifax continues to report inaccurate and unverifiable information regarding the XXXX  XXXX Auto account. They appear to have relied solely on automated responses from the furnisher rather than conducting an independent investigation. 
A reasonable investigation would have included reviewing supporting documentation to verify the accuracy of the balance and other account details, instead of simply accepting the furnishers response without question. 
XXXX. Forced to Call for an Internal Investigation : After receiving these conflicting letters, I called Equifax and spoke with a representative, who manually opened an internal investigation. 
This means Equifax had the ability to investigate the account but initially refused to do so, further violating my rights under FCRA 611 ( a ) ( 1 ). 
XXXX. Response to My Initial Dispute : In response to my initial letter, I just received letters of payment history and a signed contract. However, these documents do not resolve the issues in question, as they fail to verify the accuracy of the balance discrepancies and the manner in which my dispute was handled. 
XXXX. CFPB Complaint and Previous Documentation : I previously filed a complaint against Equifax with the Consumer Financial Protection Bureau ( CFPB ), including all of the documents from the first XXXX, along with the certified mail receipt dated XX/XX/XXXX. 
This CFPB complaint prompted Equifax to initiate an internal investigation or dispute, yet their response remains unsatisfactory and fails to resolve the issues at hand.

Company response to consumer: Closed with explanation