Consumer complaint received 2025-01-20 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: SC

Complaint narrative:
I am writing to formally file a complaint against Equifax for their repeated failure to comply with federal credit reporting laws, including but not limited to violations of the Fair Credit Reporting Act ( FCRA ). Despite my multiple attempts to resolve these issues directly with Equifax, they have not fulfilled their legal obligations under the following statutes : 1.

**15 U.S.C. 1681e ( b ) ** Failure to ensure maximum possible accuracy of the information in my credit file.

2. **15 U.S.C. 1681s-2** Responsibilities of furnishers of information to provide accurate and complete data.

3. **15 U.S.C. 1681i ( 5 ) ** Failure to properly reinvestigate and correct inaccuracies in my credit report.

4. **15 U.S.C. 1681c ( c ) ** Reporting obsolete information. 
5. ** 15 U.S.C. 1681 XXXX XXXX XXXX Chronology of Disputes Filed : - XXXX XXXX, XXXX : ** I submitted a dispute regarding inaccuracies in my credit report. 
- XXXX XXXX, XXXX : ** A second dispute was filed due to unresolved issues. 
- XXXX XXXX, XXXX : ** I filed another dispute, which also went unresolved. 
- XXXX XXXX, XXXX  : ** Most recently, I submitted a dispute, but the issues persist. 
The following remains on my credit report as negative items being reported by Equifax XXXXXXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Company isn't authorized to do business in my state in which I pointed out to Equifax in my dispute ) 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  Despite my persistence, Equifax has failed to correct the inaccuracies in my credit file or provide adequate responses to my disputes. These ongoing issues have caused significant harm to my financial well-being, including denial of credit, unfavorable loan terms, and other adverse consequences. 

I recently became aware of the **CFPBs enforcement action against Equifax** , in which they were ordered to pay {$15.00} XXXX for improper investigations of credit reporting errors. This enforcement action highlights Equifaxs systemic failure to comply with FCRA requirements, which directly aligns with my experience. 

Additionally, I was affected by the **Equifax data breach**, which exposed my Social Security number and other personal information. This breach has exacerbated the harm Ive experienced, as I remain vulnerable to identity theft and fraud. Equifaxs failure to safeguard consumer data and properly address disputes demonstrates a pattern of negligence that has severely impacted my financial stability and peace of mind, I appreciate the CFPBs efforts to hold credit reporting agencies accountable and protect consumers like myself. I trust that your investigation will lead to a resolution of this matter and prevent further harm caused by Equifaxs practices.

Company response to consumer: Closed with non-monetary relief