Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute Regrading Inaccurate Information on my Credit Reporting Agency Dear Equifax , I am writing to formally dispute inaccurate information on my credit report that i believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a through investigation into these inaccuracies, as required by federal law.

Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, INCLUDE : Conducting inadequate investigations that fail to address consumer disptes properly Reinserting previously disputed and inaccurate information without explanation. Failing to notify consumers about investigation results effectively. These allegations highlight systemic issues that directly undermine consumer protections perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 



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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute Regrading Inaccurate Information on my Credit Reporting Agency Dear XXXX I am writing to formally dispute inaccurate information on my credit report that i believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a through investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, INCLUDE : Conducting inadequate investigations that fail to address consumer disptes properly Reinserting previously disputed and inaccurate information without explanation. Failing to notify consumers about investigation results effectively. These allegations highlight systemic issues that directly undermine consumer protections perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Please review the Inaccurate information being reported : I. Under the FCRA, you are required to : Conduct a proper investigation i to my dispute. inform me of the results of your investigation in clear and comprehensible manner. Provide me with any documentation you rely on if the disputed information is corrected or removed from my credit report promptly. If the investigation concludes that the infprmation can not be verified or remains inaccurate, I request the immediate remova or correction of this information from my credit report.

Furthermore, I request written confirmation of the actions you takes in response within the legally mandated 30-day timeframe. 

Sincerely, XXXX XXXX XXXX ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ..... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I am writing to formally dispute inaccurate information on my credit report that i believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a through investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, INCLUDE : Conducting inadequate investigations that fail to address consumer disptes properly Reinserting previously disputed and inaccurate information without explanation. Failing to notify consumers about investigation results effectively. These allegations highlight systemic issues that directly undermine consumer protections perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Please review the Inaccurate information being reported : I. Under the FCRA, you are required to : Conduct a proper investigation i to my dispute. inform me of the results of your investigation in clear and comprehensible manner. Provide me with any documentation you rely on if the disputed information is corrected or removed from my credit report promptly. If the investigation concludes that the infprmation can not be verified or remains inaccurate, I request the immediate remova or correction of this information from my credit report. 

Furthermore, I request written confirmation of the actions you takes in response within the legally mandated 30-day timeframe. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation