Consumer complaint received 2025-03-13 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: PA

Complaint narrative:
I am writing to file a formal complaint against Equifax for their failure to properly investigate and resolve disputes I submitted regarding inaccurate information on my credit report. XXXX actions, or lack thereof, appear to violate multiple provisions of the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 

Below are the details of my complaint : 1. Inaccurate Information on My Credit Report I identified the following inaccurate information on my Equifax credit report : Account 1 : Collection Agency : Credit Systems International Inc. 
Original Creditor : XXXX XXXXXXXX XXXX Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Original Amount Owed : {$280.00} Amount : {$280.00} Status Date : XX/XX/XXXX Status : Unpaid Balance Date : XX/XX/XXXX Account Number : # # # # # XXXX Creditor Classification : Utilities Date of First Delinquency : XX/XX/XXXX Account XXXX : Collection Agency : XXXX XXXX XXXX XXXX. 
Original Creditor : XXXX  Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Original Amount Owed : {$9600.00} Amount : {$9600.00} Status Date : XX/XX/XXXX Status : Unpaid Balance Date : XX/XX/XXXX Account Number : # # # # # XXXX Creditor Classification : Rental or Leasing Date of First Delinquency : XX/XX/XXXX XXXX. Dispute Submission I submitted disputes to Equifax on the following dates : Dispute Date 1 : XX/XX/XXXX Dispute Method : Online Dispute Details : I disputed these accounts as inaccurate because they do not belong to me Despite providing sufficient evidence to support my disputes, Equifax failed to conduct a reasonable investigation and did not correct the inaccuracies. 

3. Violations of the Fair Credit Reporting Act ( FCRA ) Equifaxs actions appear to violate the following provisions of the FCRA : 15 U.S.C. 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy of credit report information.

15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable investigation of disputed information.

15 U.S.C. 1681i ( b ) : Failure to provide the results of the investigation within 30 days ( or 45 days if additional information was provided after the initial dispute ).

15 U.S.C. 1681i ( c ) : Failure to notify me of the results of the investigation in writing.

15 U.S.C. 1681i ( d ) : Failure to correct or delete inaccurate, incomplete, or unverifiable information. 
4. Additional Violations Equifaxs conduct may also violate other consumer protection laws, including but not limited to : CFPB Regulation V ( 12 CFR Part 1022 ) : Failure to comply with

the CFPBs rules regarding credit reporting accuracy and dispute resolution. 5. Request for Relief I respectfully request that the CFPB investigate Equifaxs handling of my disputes and take appropriate action to ensure compliance with the FCRA and other applicable laws. Specifically, I request the following : A thorough investigation of my disputes and correction of all inaccuracies on my credit report. 
Removal of any information that can not be verified as accurate. 
An explanation of XXXX investigation process and why my disputes were not resolved. 
Any other relief deemed appropriate by the CFPB, including but not limited to monetary damages for the harm caused by XXXX actions.

Company response to consumer: Closed with explanation