Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the inaccurate information appearing on my Equifax credit report and to address your failure to properly investigate my disputes in accordance with the Fair Credit Reporting Act ( FCRA ). I have made multiple attempts to correct erroneous information on my credit report, yet XXXX has failed to adequately investigate, resolve, or even properly respond to my disputes. 
Recently, the Consumer Financial Protection Bureau ( CFPB ) found that Equifax engaged in similar unlawful practices, including failing to thoroughly investigate disputes, reintroducing previously deleted inaccuracies, and providing consumers with misleading and contradictory responses. Based on my experience with XXXX, I believe that your company is engaging in these same unfair and deceptive practices. 
Specifically, I am disputing the following : 1. Failure to Properly Investigate My Disputes Despite submitting supporting documentation proving that certain negative items on my credit report are inaccurate, XXXX has ignored this evidence and failed to conduct a meaningful investigation.

2. Reinserting Previously Deleted Inaccuracies Certain erroneous accounts or negative marks that were previously removed from my credit report have been reinserted without notification or valid reason.

3. Providing Contradictory and Misleading Responses I have received dispute responses from XXXX that contain conflicting statements, such as confirming that an item has been verified as accurate while simultaneously stating that it has been removed.

4. Failure to Block Identity Theft-Related Information Information that should have been permanently blocked due to identity theft concerns has remained on my credit report despite my repeated disputes.

These actions violate my rights under the FCRA, which requires XXXX to conduct thorough investigations, ensure maximum possible accuracy, and provide clear and accurate dispute responses. I demand that XXXX immediately take the following corrective actions : Permanently remove all inaccurate, unverifiable, and reinserted negative items. 
Provide me with a clear and detailed written explanation of your investigation findings, including the specific steps taken to verify disputed information. 
Ensure compliance with all federal laws, including the FCRA, to prevent further violations of my rights. 
If these issues are not resolved within 30 days, I am prepared to escalate this matter by filing formal complaints with the CFPB, the Federal Trade Commission ( FTC ), and my states Attorney Generals office. Additionally, I reserve the right to take legal action to hold XXXX accountable for any damages caused by these violations. 
Please confirm receipt of this dispute and provide a response in writing within the legally required timeframe. I expect XXXX to comply with the law and uphold its duty to protect consumers from the harm caused by inaccurate credit reporting. 
Sincerely, XXXX XXXX XXXX XXXX. 
Here is the list of false/ erroneous data, that is on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts listed were disputed, and removed, only to later XXXX returned on my file illegally! Please note, CFPB will also receive a copy of this letter / complaint. These accounts are to be REMOVED IMMEDATLY, or litigation will follow. Remove accounts and any inquiries associated.

Company response to consumer: Closed with non-monetary relief