Consumer complaint received 2025-01-21 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: FL

Complaint narrative:
Dear CFPB Representative, I am writing to formally file a complaint against XXXX and Equifax for their failure to comply with the Fair Credit Reporting Act ( FCRA ) in accurately investigating and verifying disputed information on my credit report. Despite multiple disputes regarding the completeness and accuracy of the XXXX XXXX account on my credit report, both agencies failed to conduct proper reinvestigations as required by law and have provided no documentation to substantiate their findings. 

Details of the Complaint Discrepancy in Account Numbers : XXXX is reporting the account number as XXXX, while Equifax is reporting it as XXXX, indicating inconsistencies and incomplete information in the account details. 
Failure to Verify or Validate Information : I disputed the completeness and accuracy of this account with both agencies. Despite their claims that the account was verified, no supporting documentation was provided. The account continues to display inaccurate and incomplete information. 
Equifax Payment History Inaccuracy : Equifax 's payment history for theXX/XX/XXXX XX/XX/XXXXaccount is as follows : Equifax Payment History Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX 30 30 60 XXXX This payment history inaccurately reflects incomplete information, and no clear explanation of this data was provided during the dispute process. 

XXXX Payment History Inconsistency : Experians reporting of the same XX/XX/XXXX XX/XX/XXXXl account contains discrepancies compared to Equifax. Below is the payment history as reported by XXXX : XXXX Payment History Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 30 30 60 ND ND ND ND R R XXXX Key Differences : Equifax reports 30 days past due in XXXX and XXXX of XXXX and 60 days past due in XX/XX/XXXX, while XXXX only begins reporting delinquencies in XX/XX/XXXX ( 30 days past due ). 
XXXX reports " R '' for Repossession in XXXX and XX/XX/XXXX, which is absent from Equifaxs report. 
Equifax omits months where XXXX reports ND ( No Data Available ). 
Inadequate Responses from Both Agencies : XXXX ( CFPB Complaint ID : XXXX ) : XXXX responded that the disputed information was verified by the furnisher. However, inaccuracies and inconsistencies remain. 
Equifax ( CFPB Complaint ID : XXXX ) : Equifax similarly claimed that the furnisher verified the account, yet the inaccuracies were not corrected. 
Violations of the Fair Credit Reporting Act Both XXXX and Equifax have violated their obligations under : 15 U.S.C. 1681i ( a ) Reinvestigations of Disputed Information : Both agencies failed to conduct a reasonable reinvestigation within the required 30-day period, as inaccuracies and inconsistencies persist on my credit report.

15 U.S.C. 1681i ( a ) ( 5 ) Treatment of Inaccurate or Unverifiable Information : The agencies have not deleted or corrected the disputed account, despite being unable to verify its accuracy and completeness.

15 U.S.C. 1681s-2 ( a ) Duty of Furnishers of Information to Provide Accurate Information : ( 1 ) ( A ) Reporting information with actual knowledge of errors : The furnisher of the disputed information XX/XX/XXXX ) has failed to comply with its duty to refrain from reporting information it knows or has reasonable cause to believe is inaccurate. 
( 1 ) ( B ) Reporting information after notice and confirmation of errors : XXXX XXXX was notified by me, as required under the law, that the specific information reported was inaccurate. Despite this notice, the information remains inaccurate and incomplete on my credit reports. 
Resolution Sought I demand the immediate removal of the inaccurate and unverifiable XXXX XXXX account from my credit reports with both XXXX and Equifax. Additionally, I request the CFPB to ensure both agencies and XX/XX/XXXX are held accountable for their failure to comply with the FCRA and to mandate changes to their dispute and reinvestigation processes to prevent future violations. 

Supporting Documentation I have attached : Copies of credit reports from XXXX and Equifax highlighting the discrepancies in the XX/XX/XXXXaccount. 
Correspondence from XXXX and Equifax regarding their investigation results. 
Evidence of ongoing inaccuracies and incomplete information after their reinvestigation. 
Thank you for your time and assistance in addressing this matter. Please feel free to contact me if further information or clarification is required.

Company response to consumer: Closed with non-monetary relief