Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Equifax is willfully refusing to investigate my dispute, ignoring federal law, and continuing to report inaccurate, incomplete, and unverifiable information that is severely damaging my creditworthiness. 
This is a serious violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 607 ( b ) and 611, and I am demanding immediate federal intervention. 
Details of Equifaxs Failure On XX/XX/year>, I sent Equifax a complete dispute package that included : My written dispute letter My government-issued ID My Social Security card Proof of current address Despite providing EVERY legally required verification document, Equifax chose to : Ignore my dispute Fail to respond within 30 days Fail to conduct any reinvestigation Fail to provide results, updates, or verification sources Continue reporting false and incomplete information Cause ongoing financial harm This is not an oversight. This is willful noncompliance. 
Disputed Item Equifax Refused to Investigate 1. Fraudulent/Unverifiable Bankruptcy Record ( Reference # XXXX ) Equifax is reporting a bankruptcy public record from XXXX XXXX XXXX  that is : Incomplete Inaccurate Unverifiable Missing essential fields such as : Status Liability Amount Date Settled Remarks Reported ONLY by Equifax not by any other bureau Not supported by any official court data As stated in my dispute, bankruptcy courts DO NOT furnish data directly to Equifax. 
Therefore, Equifax is required by law to provide : The third-party furnisher Full method of verification Identity of the person who verified the record Equifax did none of this.

Instead, they continued reporting an unverifiable public record, which is illegal.

2. Inaccurate Personal Information That Equifax Refused to Correct I disputed the following inaccurate address : XXXX XXXX XXXX, XXXX, AZ XXXX This address has XXXX connection to me and should have been deleted immediately. 
Equifax not only ignored the dispute they left false personal data in my file, which directly violates FCRA accuracy requirements. 
Equifaxs actions ( and inaction ) are violations of : FCRA 611 Failure to Reinvestigate Equifax completely failed to : Investigate Respond Provide verification Notify me of any results Correct or delete inaccurate information This is a textbook violation.

FCRA 607 ( b ) Failure to Ensure Maximum Possible Accuracy Equifax continues to knowingly report : An unverifiable bankruptcy record Incorrect personal information This constitutes reckless disregard for the accuracy of consumer data.

Willful Noncompliance ( FCRA 616 ) Equifaxs decision to ignore a properly submitted dispute rises to the level of willful noncompliance, exposing them to liability for damages. 
Equifaxs unlawful reporting practices and refusal to investigate have caused : Lower credit scores Higher interest rates Credit denials Loss of financial opportunities Emotional distress and reputational damage Ongoing harm every day this inaccurate data remains on my file Equifaxs inaction is directly harming my financial stability.

Company response to consumer: Closed with non-monetary relief