Consumer complaint received 2025-01-11 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: HI

Complaint narrative:
Steps to Leverage the CFPB Lawsuit and File a Complaint Understand the Relevant Laws : 15 USC 1681e ( b ) : Requires credit reporting agencies ( CRAs ) to ensure maximum possible accuracy in consumer reports.

15 USC 1681s-2 : Obligates furnishers of information ( e.g., creditors ) to provide accurate data and correct errors.

15 USC 1681i : Details the process CRAs must follow to investigate disputes and correct or delete inaccurate information.

15 USC 1681c ( c ) : Addresses the exclusion of outdated adverse information.

Use the CFPB Lawsuit to Your Advantage : Highlight that XXXX has been accused of failing to conduct proper investigations into consumer disputes, which mirrors your experience. 
Mention how their alleged practices may have violated their obligations under the FCRA, impacting your creditworthiness. 
Document Your Efforts : Attach copies of the dispute letters youve sent to XXXX. 
Include any responses ( or lack thereof ) from XXXX. 
Provide proof of inaccuracies and their consequences ( e.g., denial of credit, housing, or employment ). 
Draft Your Complaint : Clearly outline your grievances. 
Reference the CFPB lawsuit to show a pattern of misconduct. 
Request specific remedies, such as removal of inaccurate items, proper investigations, or damages. 
Sample Complaint for CFPB Submission Heres a draft complaint for you to customize : Subject : Violation of FCRA by XXXX Failure to Investigate Disputes and Ensure Accuracy Description : I am filing this complaint against XXXX for violating my rights under the Fair Credit Reporting Act ( FCRA ). Despite multiple dispute letters sent to XXXX, they have failed to comply with the following FCRA provisions : 15 USC 1681e ( b ) : XXXX has not ensured the maximum possible accuracy of the information on my credit report.

15 USC 1681s-2 : XXXX continues XXXX report inaccurate information furnished by creditors without proper verification. 
15 USC 1681i : XXXX has not conducted a reasonable reinvestigation into my disputes as required. 
15 USC 1681c ( c ) : XXXX has not removed outdated adverse information from my report. 
Furthermore, I recently became aware of the CFPB lawsuit against XXXX for failing to properly investigate consumer disputes and reinserting inaccurate information. My experience aligns with these allegations, as XXXX has ignored or dismissed my disputes without meaningful action. 

Details of My Case : I submitted disputes on [ insert dates ] regarding [ specific inaccurate accounts ]. 
XXXX responded with [ insert response or lack of response ]. 
These inaccuracies have [ explain consequences, e.g., denial of credit, housing, or employment ].

Requested Resolution : Immediate removal of inaccurate and outdated information from my credit report.

A proper reinvestigation of all disputed items in compliance with the FCRA. 
Compensation for any damages caused by XXXX negligence, if applicable. 
I am requesting that the CFPB take action to ensure XXXX complies with its obligations under the FCRA. Thank you for your attention to this matter. 

Attachments : Copies of dispute letters sent to XXXX. 
Proof of delivery ( e.g., certified mail receipts ). 
Responses ( or lack thereof ) from XXXX. 
Documentation of harm caused ( e.g., credit denials, notices from lenders ). 
Would you like to refine this complaint further or add any specific details? Let me know!

Company response to consumer: Closed with non-monetary relief