Consumer complaint received 2025-01-31 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Date ] Consumer Financial Protection Bureau ( CFPB ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute of Improper Investigation and Re-Reporting of Closed/Charged-Off Accounts Under FCRA To Whom It May Concern, I am writing to formally dispute the improper handling and investigation of my credit report accounts. I have previously disputed the following closed and/or charged-off accounts with Equifax, Incorrect addresses XXXX and multiple names on my credit report, but they were improperly re-reported on my credit report after being removed. Additionally, I did not receive any notification of the results of the investigation within the 30-day period required by law. The accounts in question are : 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 XXXXXXXX These accounts were removed from my credit report following a dispute, but they were subsequently re-reported without the proper investigation or notification of the findings, in violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681i ( a ) ( 1 ) which mandates that credit reporting agencies conduct a reasonable reinvestigation of disputed information. 
15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( 3 ) which requires that I be notified of the results of the reinvestigation within 30 days.

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) which specifies that if information is found to be inaccurate or incomplete, it must be corrected or deleted. 
As a result of these violations, I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate these actions and take appropriate corrective steps. Specifically, I ask that : 1. The CFPB conduct an investigation into the improper reinvestigation of these accounts by the credit bureaus and their re-reporting on my credit file.

2. Confirmation that I will receive proper notifications of the findings of any future investigations within the 30-day timeframe as required by law. 
XXXX. Prompt removal or correction of any inaccurate or incomplete information on my credit report, including these disputed accounts. 
My personal information is as follows : 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 XXXXXX/XX/year> Please let me know if any further documentation or information is needed to assist in your investigation. I provided a copy of my Drivers ID and My SS card with my correct, full, and only name with my correct and only address. I appreciate your prompt attention to this matter and look forward to a resolution. 
Thank you for your time and consideration. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief