Consumer complaint received 2025-03-22 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: TN

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX DC XXXX Subject : Escalated Complaint Regarding Equifax Failure to Accurately Investigate and Correct Credit Reporting Inaccuracies ( XXXX and XXXX XXXX XXXX  ) Dear CFPB, I am writing to formally escalate my complaint regarding XXXX repeated failure to properly investigate, resolve, and delete inaccurate credit reporting related to the following accounts : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # : XXXX Despite my submission of detailed documentation highlighting the numerous FCRA violations and inconsistenciesincluding discrepancies in payment history, high credit, balance, charge-off status, and datesEquifax continues to verify these items as accurate. These errors were fully acknowledged and corrected by XXXX and XXXX, who have since deleted the accounts from my reports. XXXX failure to follow suit demonstrates their refusal to perform a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ) 611 ( a ).

To date, I have submitted the following CFPB complaints regarding these accounts : Complaint ID XXXX XXXX Complaint ID XXXX XXXXXXXX  Complaint ID XXXX All accounts including XXXX and XXXX Complaint ID XXXX All accounts including XXXX and XXXX Equifax responded generically, stating the information was verified and offered no meaningful explanation of the resolution process. Furthermore, they have now deemed subsequent disputes frivolous, in violation of FCRA 611 ( a ) ( 3 ), even though I provided additional supporting evidence.

This includes : Documentation of conflicting payment histories and inconsistent charge-off reporting. 
IRS Form XXXX issued by XXXX confirming XXXX cancellation. 
Updated credit reports from XXXX and XXXX showing these accounts removed due to inaccuracies. 

I've included proof of my identity with the following documents : Driver 's License Social Security Card Proof of Address Equifaxs repeated failure to perform a meaningful reinvestigation or correct or delete unverifiable and inaccurate information constitutes a direct violation of the FCRA. The CFPB has already taken enforcement action against Equifax for similar practices in recent years, including a {$15.00} XXXX penalty for improper investigations. 

I am requesting : XXXX. The immediate deletion of the XXXX and XXXX XXXX XXXX  accounts from my Equifax credit file. 
XXXX. Confirmation from Equifax of these deletions. 
XXXX. Financial compensation for damages caused by inaccurate credit reporting, including denial of credit and elevated interest rates. 
XXXX. Further regulatory action against Equifax for its failure to comply with federal consumer protection laws. 

Please treat this as a formal escalation. I am prepared to seek legal action if this issue is not properly resolved. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief