Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Equifax, I am writing to express my extreme dissatisfaction with your continued improper handling of my disputes regarding the XXXX XXXX XXXX account ( Account Number XXXX ) and XXXX XXXX account, despite my repeated attempts to provide all required documentation and evidence as mandated under the Fair Credit Reporting Act ( FCRA ). Your responses and actions indicate stalling tactics, misrepresentation of facts, and outright failure to comply with federal law. 

Specific Points of Contention Failure to Comply with FCRA Section 605B ( 15 U.S.C. 1681c-2 ) Under FCRA Section 605B, credit reporting agencies are required to block fraudulent information on credit reports when consumers submit : Proof of identity and address An official police report or fraud affidavit A written request identifying the disputed fraudulent information I provided all of the required documents, including : An official police report outlining the fraud. 
Proof of my identity and address. 
A detailed dispute letter requesting the removal of fraudulent accounts. 
Despite receiving this documentation, your response falsely stated that the accounts were accurate based on unsupported reasoning, including prior payment history or the account opening date predating the fraud report. This is not a valid basis to decline a fraud block request under Section 605B.

Failure to Provide Verification as Required by FCRA Section 611 ( 15 U.S.C. 1681i ) Under Section 611 ( a ), credit reporting agencies must : Conduct a reasonable reinvestigation to determine the accuracy of disputed information.

Provide documentation substantiating verification of the disputed item.

Your responses failed to include any specific details about : Who verified the account.

What documents were used to verify the accuracy of the account.

Whether you contacted the data furnisher or collection agency.

Furthermore, your refusal to provide documentation violates FCRA Section 611 ( a ) ( 6 ) and ( a ) ( 7 ), which require you to disclose the reinvestigation results and evidence relied upon. 

Stalling Tactics and Misrepresentation of Findings On XX/XX/year>, Equifax falsely stated that the XXXX XXXX XXXX account was no longer reporting on my credit file. However, the account continued to appear on my report, and no supporting documentation was provided to verify your findings. 

These stalling tactics and failure to provide meaningful responses constitute unreasonable delays in violation of FCRA Section 611 ( a ) ( 1 ), which requires disputes to be resolved within 3045 days.

Failure to Ensure Maximum Possible Accuracy ( FCRA Section 1681e ( b ) ) As credit reporting agencies, you are legally obligated to maintain reasonable procedures to ensure the maximum possible accuracy of consumer reports. By continuing to report unverifiable information and failing to thoroughly investigate my dispute, you have violated this obligation.

Violations of the Consumer Financial Protection Act ( CFPA ) Under 12 U.S.C. 5531, credit reporting agencies are prohibited from engaging in Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ). Your stalling tactics and failure to provide verifiable evidence constitute unfair and deceptive practices that harm consumers. 

Improper Investigation Practices as Highlighted in Recent CFPB Enforcement Actions In XX/XX/year>, the CFPB announced actions against both Equifax and XXXX for their systematic failures to properly investigate disputes and reinserting inaccurate information into credit reports. Your handling of my disputes is consistent with the same improper practices addressed in those enforcement actions. 

Requested Actions In light of these clear violations of federal law and CFPB enforcement mandates, I demand the following : Immediate Deletion of Disputed Accounts If you can not provide verifiable evidence confirming the accuracy of the disputed accounts, they must be immediately deleted from my credit reports as required under FCRA Section 611 ( a ) ( 5 ).

Provision of Documentation Provide the following within 10 calendar days : Who verified the disputed accounts. 
What documentation was relied upon to verify the accounts. 
Why XXXX XXXX XXXX and XXXX XXXX accounts continue to appear on my report despite my valid fraud dispute. 
Compliance with FCRA Section 605B and Removal of Fraudulent Information Remove the disputed accounts in accordance with my fraud block request.

Confirmation of Adherence to FCRA and CFPB Requirements Provide a written confirmation that my disputes have been properly resolved, including acknowledgment of compliance with FCRA and CFPB regulations

Company response to consumer: Closed with explanation