Consumer complaint received 2025-01-23 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: NY

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies ' on my credit report. Despite my submissions XXXX consistently responds within 24 hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit reporting Act ( FCRA ), 15 U.S.C & 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consume Financial Protection Act ( CFPA ), 12 U.S.C. & & 5536 ( a ) ( 1 ) ( A ) -B ), as highlighted in the CFPB 's recent proceeding ( File No. XXXX ) against the credit bureaus for similar violations. I request that CFPB take action to ensure XXXX complies with federal law and provide consumers with proof of investigation.

Charge Off accounts.

These are the accounts. 

XXXX XXXX 14potentially negative months {$13000.00} Closed ________________________________________ Account info Account nameXXXX XXXX Account numberXXXX Original creditor- Company sold- Account typeCredit card Date openedXXXX XXXX XXXX Open/closedClosed StatusAccount charged off. {$13000.00} written off. {$13000.00} past due as of XX/XX/XXXX. 
Status updatedXXXX XXXXXXXX Balance {$13000.00} Balance updatedXXXX XXXX  XXXX Credit limit {$12000.00} Monthly payment- Last Payment DateXXXX XXXX XXXX Past due amount {$13000.00} Highest balance {$13000.00} Terms- ResponsibilityIndividual Your statement**CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER XXXX XXXX XXXX 16potentially negative months {$23000.00} Closed ________________________________________ Account info Account nameXXXX XXXX XXXXXXXX Account numberXXXX Original creditor- Company sold- Account typeUnsecured Date openedXXXX XXXX XXXX Open/closedClosed StatusAccount charged off. {$24000.00} written off. {$23000.00} past due as of XX/XX/XXXX. 
Status updatedXXXX XXXXXXXX Balance {$23000.00} Balance updatedXXXX XXXX XXXXXXXX Original balance {$30000.00} Monthly payment- Last Payment DateXXXX XXXX XXXXXXXX Past due amount {$23000.00} Terms72 Months ResponsibilityIndividual Your statement**CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER XXXX XXXXXXXX XXXX 12potentially negative months {$0.00} Closed ________________________________________ Account info Account nameXXXX XXXXXXXX XXXX Account numberXXXX Original creditor- Company sold- Account typeUnsecured Date openedXXXX XXXX XXXXXXXX Open/closedClosed StatusAccount charged off. {$30000.00} written off. 
Status updatedXXXX XXXXXXXX Balance {$0.00} Balance updatedXXXX XXXX XXXXXXXX Original balance {$35000.00} Monthly payment- Last Payment DateXXXX XXXX XXXXXXXX Terms60 Months ResponsibilityIndividual Your statement**CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER XXXX XXXX 14potentially negative months {$4600.00} Closed ________________________________________ Account info Account nameXXXX XXXX Account numberXXXX Original creditor- Company sold- Account typeUnsecured Date openedXXXX XXXX XXXX Open/closedClosed StatusAccount charged off. {$4400.00} written off. {$4600.00} past due as of XX/XX/XXXX. 
Status updatedXXXX XXXXXXXX Balance {$4600.00} Balance updatedXXXX XXXX XXXXXXXX Original balance {$5000.00} Monthly payment- Last Payment DateAug XXXX, XXXX Past due amount {$4600.00} Terms36 Months ResponsibilityIndividual Your statement**CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$4100.00} XXXX Account info Account nameXXXX XXXX XXXX Account numberXXXX Original creditorXXXX XXXX XXXX XXXX XXXX Company sold- Account typeDebt Buyer Date openedXXXX XXXX XXXX StatusCollection account. {$4100.00} past due as of XX/XX/XXXX. 
Status updatedXXXX XXXXXXXX Balance {$4100.00} Balance updatedXXXX XXXX XXXX Original balance {$4300.00} Monthly payment- Last Payment DateXXXX XXXX, XXXX Past due amount {$4100.00} Terms1 Month ResponsibilityIndividual

Company response to consumer: Closed with non-monetary relief