Consumer complaint received 2025-02-05 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: NJ

Complaint narrative:
XXXX, XXXX XXXX XXXX, XXXX ( living, sentient, breathing, natural man ) bring forth this claim against EQUIFAX for knowingly and willfully violating my Federally Protected Consumer Rights under the Fair Credit Reporting Act " FCRA '', 15 U.S.C 1681 et seq., and the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C 5531 and 5536. 

On XXXX XXXX, 2024, I sent a dispute notice to Equifax, disputing inaccurate information on my credit report, said corporation is required to maintain " maximum accuracy ' as required by the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ). EQUIFA failed to address my dispute and sent me a generated stalling letter requesting information that was already provide to them in the initial dispute notice. Furthermore, Equifax engaged in unfair acts and practices by using their ineffective system and flawed process to send me a computer generated letter that wasn't examine by a human because my dispute were deferred to the furnisher instead of Equifax conducting the investigation as it is obligated to. CFPA 12 U.S.C 5531 ( c ). As a result of this error and coding error, Equifax defamed my character, it provided in accurate credit score and information to lenders which is a violation of the FCRA section 607 ( b ). I requested said corporation to provide me with the names of who they spoke with to verify the information, addresses and what methods were used to verify, but that information was never provided. The accounts being disputed are ( XXXX, ACC # XXXX ) and ( XX/XX/XXXX XXXX XXXX XXXX, ACC # XXXX ). These accounts lacks validation and sufficient evidence to support its accuracy. Without possession of the original promissory note or equivalent internal accounting ledger to validate these accounts. This also violate the Federal Rules of Evidence " FRE '' 1002, Which mandates the production of the original documentation to prove its contents. this unverifiable reporting also violates I5 U.S.C 168e ( b ) and the Consumer Financial Protection Act { CFFA ) 12 tJ.S C 5531 ( c } ''. I have made several attempts to reach out to Equifax via phone to dispute these items, but I was told by Equifax 's agents on record line that " we are following our company 's policy, the FCRA does not apply to us ''. With no regards how this is affecting the lives of the consumers being impacted while also providing false, misleading and deceptive information. These recordings can be send to the CFPB for further investigations and will be played for a federal judge or grand jury if the corporation refuses to honor its obligations under the FCRA to its consumer. the CFPB just fined Equifax in a recent case # ( 2025-CFPB-0002 ), for the above mentioned acts, practices and failure to maintain compliance standards and reasonable procedures dealing with consumer reports. Equifax has failed to conduct a reasonable investigation and delete the unverifiable information as required by 15 U.S.C. 1681i ( a ) ( 1 ).

Company response to consumer: Closed with non-monetary relief