Consumer complaint received 2025-03-20 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: TX

Complaint narrative:
Subject : Demand for Immediate Investigation and Removal of Inaccurate Information Dear Equifax Dispute Department, I am writing to formally dispute and demand the immediate removal of multiple inaccurate, incomplete, and unfair items on my credit report. Upon reviewing my credit file, I noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error that have not been investigated properly by your system. The credit bureaus are not adhering to the requirements of the Fair Credit Reporting Act ( FCRA ) or the Truth in Lending Act ( TILA ) and are using automated systems like e-Oscar that process disputes incorrectly, causing wrongful reporting and significant harm to consumers like myself.

Violations of United States Law TILA 15 U.S. Code 1666 ( b ) Billing Errors Specifically, I have identified the following violations : Failure to reflect payments and credits properly on statements : There are instances where the creditor has failed to properly reflect payments made by me or credits issued to my account.

Computation and accounting errors : The creditor has made computation errors or other similar accounting mistakes on my statements, which have contributed to the negative and inaccurate reporting.

Failure to provide proper notice of late payment : As per 15 U.S. Code 1666 ( b ), the creditor is required to notify me of any discrepancies in my account at least 21 days before reporting late payments. This has not occurred, and therefore, no late payments should appear on these accounts.

These errors constitute billing errors under the law, and I demand that the credit bureaus correct these items immediately by updating them to reflect " paid as agreed ''.

Failure of Proper Investigation and Verification The process by which these disputes are being handled is flawed and unlawful. I am aware that credit bureaus are relying on automated systems like e-Oscar to handle dispute investigations, and this system is not adequately verifying information with creditors. Instead of conducting an in-depth review, the system simply marks accounts as " verified '', even when the information is inaccurate, incomplete, or not substantiated by legitimate proof from the creditors. This is a violation of the Fair Credit Reporting Act, which mandates that credit reporting must be accurate, complete, and fair.

The credit bureaus are failing to verify accounts with creditors properly. They are sending disputes through a machine that does not provide real human oversight or care for the consumers well-being. This failure to act on verified disputes has led to unjust and harmful reporting on my credit file, which is a clear violation of my rights as a consumer.

Demand for Immediate Action and Proof from Creditor I demand that the credit bureaus provide solid proof from the creditor ( s ) that I did not make payments, as stated in the credit report, and that the accounts were marked late. Specifically, I expect hard, verifiable proof from the creditors bank account records showing that I did not pay, and that my payments were misapplied or ignored.

If such proof is not provided by the creditor, then these accounts must be updated to " paid as agreed '', as the reporting is clearly a billing error.

Further Legal Action I would like to remind you that the credit bureaus are under legal scrutiny for failing to conduct proper investigations and relying on flawed automated systems. As you are aware, this has led to significant legal consequences, including lawsuits and penalties, for violating consumer rights and failing to ensure the accuracy of information reported.

I am prepared to take legal action to protect my rights, including seeking legal counsel to evaluate my case further, and filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other regulatory bodies. If necessary, I will pursue litigation to ensure that my credit file is corrected and to hold the credit bureaus accountable for these unfair practices.

Requested Resolution I request that the following items be immediately removed or corrected on my credit report The accounts listed below must be updated to " paid as agreed '' and reflect accurate, complete, and fair reporting.

I require a full investigation of these disputed accounts, with verification from the creditors, not just a machine-generated response. 

Account Names and Numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Conclusion I expect a prompt, detailed response within the timeframe required by the Fair Credit Reporting Act ( FCRA ). Failure to address this dispute accurately will result in further escalation of my legal options. 

Thank you for your prompt attention to this matter. I look forward to your timely response.

Company response to consumer: Closed with explanation