Consumer complaint received 2025-06-13 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Equifax Information Services LLC XXXX. XXXXXXXX XXXX XXXX XXXX  XXXX RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information and unauthorized accounts on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Equifax 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Equifax, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days and per 15 U.S.C. 1681c ( a ) ( 5 ) prohibits obsolete information, including multiple charge-offs. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly DELETED or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 
Creditor Name : XXXX XXXX XXXX XXXX Account Number ( s ) : XXXX and XXXX Issue : Multiple charge-offs are being reported for what appears to be the same auto loan. These accounts are duplicative and misleading, or inaccurately reported as separate defaults, which inflates the negative impact on my credit score.

I hereby request that Equifax : 1. Conduct a thorough reinvestigation of the following disputed accounts or items Collections Accounts XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Provide me with all documentation used to verify the accuracy of the disputed information.

3. DELETE or correct any information that can not be verified or is inaccurate, as mandated by law. 

Also, In accordance with the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C. 1681 section 602 ( a ) ( 4 ) states the consumer has the right to privacy. 15 U.S.C. 1681 section 604 ( a ) ( 2 ) states a consumer reporting agency can not furnish an account / consumer report without my written instructions. 

Given the recent CFPB findings, I expect Equifax to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 

If Equifax fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated time frame. I expect written confirmation of any changes made to my credit file. 

Sincerely, XXXX XXXX XXXX XXXX [ Enclosures : Copy of ID, Proof of Address, Supporting Documents ]

Company response to consumer: Closed with non-monetary relief