Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
Subject : Formal Complaint Against Equifax for FCRA and CFPA Violations Dear CFPB, I am reaching out to formally address inaccuracies and disputes in my credit report maintained by Equifax Inc. and Equifax Information Services LLC ( " Equifax '' ). I am seeking the CFPB 's assistance to hold Equifax accountable for its repeated violations of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ), as highlighted in the Bureau 's recent actions ( File No. 2025-CFPB-0002 ). These issues have caused me measurable harm and placed an undue burden on me. 

Violations Identified XXXX. Neglecting Reinvestigation Requirements Equifax has failed to properly reinvestigate disputed information as mandated by FCRA Section 1681i ( a ) ( 1 ) ( A ), relying on inadequate processes such as incomplete Automated Credit Dispute Verifications ( ACDV ).

2. Failure to Notify Furnishers in a Timely Manner Equifax has violated FCRA Section 1681i ( a ) ( 2 ) ( A ) by failing to forward relevant dispute information to furnishers within the required timeframe.

3. Mishandling Hard Inquiry Disputes Equifax declines to investigate hard inquiry disputes without arbitrary preconditions, contrary to FCRA Sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 2 ).

4. Providing Misleading Updates to Consumers Equifaxs communications regarding dispute outcomes are often unclear, incomplete, or contradictory, violating FCRA Section 1681i ( a ) ( 6 ).

5. Inadequate Accuracy Standards Equifax has not implemented sufficient procedures to ensure maximum possible accuracy in consumer reports, breaching FCRA Sections 1681i ( a ) ( 5 ) and 1681e ( b ).

Personal Impact Equifaxs noncompliance has resulted in : Rejection of credit and housing applications due to inaccuracies on my report. 
Emotional distress from repeated, unresolved disputes. 
Financial setbacks tied to erroneous hard inquiries and unverifiable account information. 
Disputed Information Late Payments : 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 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 Addresses : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX, XXXX, NM XXXX XXXX Grounds Equifaxs actions violate several laws, as established in CFPB 's enforcement actions : FCRA Section 1681e ( b ) : Failing to implement adequate procedures to ensure accuracy.

FCRA Section 1681i ( a ) : Neglecting to notify furnishers, reinvestigate disputes, and provide clear results to consumers.

FCRA Section 1681i ( a ) ( 5 ) : Reinserting incorrect information without proper authorization or notification.

CFPA Section 5536 ( a ) : Engaging in unfair and deceptive practices.

Request for Assistance I request the CFPB to : Conduct a thorough investigation into Equifaxs compliance with FCRA and CFPA requirements.

Direct Equifax to remove all inaccurate, unverifiable, or outdated information from my report. 
Provide me with a detailed report outlining the steps taken to resolve these disputes. 
Impose penalties and implement corrective measures to ensure compliance and prevent further consumer harm. 
Statement I declare that the information in this complaint is true and accurate to the best of my knowledge. I urge the CFPB to act promptly to rectify these violations and safeguard consumer rights.

Company response to consumer: Closed with explanation