Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint as a * * formal escalation * * against Equifax for * * systemic violations of the Fair Credit Reporting Act ( FCRA ) * * related to their handling of my disputes. I submitted multiple written disputes challenging the accuracy, ownership, and verifiability of accounts appearing on my credit reports. In response, each bureau provided nearly identical boilerplate language through their online portals stating : > After careful review we investigated the information by contacting the creditors to verify the accuracy of the information. Despite this assertion, * * Equifax has not provided any legally required details * * regarding how the investigation was conducted, who was contacted, or what documentation was used to verify the information. I have also * * not received any written response letters * * by mail as required under federal law. -- - # # # Specific Violations : # # # # XXXX. Failure to Provide Method of Verification Under * * 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) * *, credit reporting agencies are required, upon request, to provide a description of the procedures used to determine the accuracy of disputed information, including : * The * * business name * * * The * * address * * * The * * telephone number * * of any furnisher contacted. None of the bureaus provided this information. A conclusory statement that they contacted the creditors is * * not compliant with the statute * *. -- - # # # # 2. Failure to Conduct a Reasonable Reinvestigation Under * * 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) * * and * * 15 U.S.C. 1681e ( b ) * *, CRAs must conduct a * * reasonable reinvestigation * * and maintain procedures to assure * * maximum possible accuracy * *. Federal courts have repeatedly ruled that : * Automated or superficial investigations * Reliance on furnisher responses without independent review do * * not * * constitute a reasonable reinvestigation. Relevant case law includes : * * XXXX XXXX XXXX XXXX XXXX *, XXXX XXXX XXXX ( XXXX Cir. XXXX ) * * XXXX v. XXXX XXXXXXXX XXXX  XXXX *, XXXX XXXX XXXX ( XXXX Cir. XXXX ) * * XXXX XXXX XXXXXXXX XXXX  *, XXXX XXXX XXXX ( XXXX Cir. XXXX ) The responses I received mirror the exact conduct condemned in these cases. -- - # # # # XXXX. Failure to Provide Written Notice of Results Under * * 15 U.S.C. 1681i ( a ) ( 6 ) ( A ) * *, CRAs must provide * * written notice * * of the results of a reinvestigation, including : * The outcome of each disputed item * Any changes made * A revised credit report I have * * not received any written correspondence * *, only portal messages, which does not satisfy statutory requirements. -- - # # # # 4. Failure to Properly Address Fraud/Unverifiable Information When disputes involve fraud or unverifiable ownership, * * 15 U.S.C. 1681c-2 * * requires CRAs to block the information unless it can be properly verified. The bureaus stated they were unable to block the information but provided * * no explanation, evidence, or verification details * *. -- - # # # Harm Caused : * Continued reporting of * * unverified and inaccurate information * * * Damage to my credit profile * Loss of consumer rights under federal law * Ongoing inability to obtain fair credit decisions -- - # # # I Want the CFPB to Do : I am requesting that the CFPB : 1. Equifax * * produces the full method of verification * * for each disputed account. 2. Compel compliance with * * 15 U.S.C. 1681i and 1681g * * 3. Require * * deletion of any account that can not be properly verified * * 4. Investigate the bureaus use of * * boilerplate and automated dispute handling * * 5. Ensure future compliance with FCRA reinvestigation standards -- - The credit bureaus conduct appears * * willful and systemic * *, not accidental. -- - # # # Final Statement : This is not a disagreement with accurate reporting. This is a failure by federally regulated entities to comply with clear statutory obligations. I am requesting * * regulatory intervention and enforcement * *.

Company response to consumer: Closed with explanation