Consumer complaint received 2025-03-01 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: TX

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Equifax Dispute Department Subject : Formal Complaint Regarding Ongoing Credit Reporting Errors Violation of 15 U.S. Code 1681 Dear Sir/Madam, I am submitting this formal complaint regarding Equifax 's failure to correct inaccuracies on my credit report, despite repeated disputes and a written acknowledgment from an Equifax representative . Under 15 U.S. Code 1681 ( Fair Credit Reporting Act - FCRA ), I am entitled to an accurate credit report, and Equifaxs continued negligence is a violation of federal law. 

On XX/XX/XXXX, I received an email from XXXX at Equifax, confirming that my credit report had been mishandled and that the necessary corrections would be made immediately. Following this, I spent over an hour on the phone with her, where she reviewed my Equifax report line by line, confirming updates would be electronically transferred to my credit card companies. However, as of XX/XX/XXXX, these corrections have not been made, and several errors remain on my credit report. 

Outstanding Errors on My Credit Report XXXX XXXX XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX Missing. 
XXXX XXXX XXXX ( XXXX ) Missing. 
XXXX XXXX XXXX ( XXXX ) Marked as Disputed incorrectly. 
XXXX XXXX XXXX XXXX ( XXXX ) Missing payments, marked as Disputed incorrectly. 
XXXX XXXX XXXX ( XXXX ) Missing. 
XXXX XXXX Accounts : XXXX XXXX XXXX XXXX XXXX Incorrectly marked as Disputed, listed as closed ( not corrected ). 
XXXX XXXX ( XXXX ) Incorrectly marked as Disputed. 
Other Accounts : XXXX ( XXXX ) Blank ( no information ). 
XXXX ( XXXX ) Missing XXXX and XXXX payment history. 
Milestone ( XXXX ) Incorrect Disputed comment. 
XXXX XXXX ( XXXX ) Missing payment history. 
XXXX Missing payments. 
XXXX ( XXXX ) Still showing in collections, despite Equifax confirming its removal. 
XXXX XXXX ( XXXX ) Not showing me as an authorized user ( its my husbands card, which was confirmed corrected in writing ). 
XXXX XXXX ( XXXX ) Marked as Disputed incorrectly, missing payments. 
Request for Immediate Resolution : Immediate correction of all errors listed above.

Updated credit report reflecting accurate information.

Confirmation in writing that corrections have been made.

Investigation into Equifaxs mishandling of my case.

Legal action if my consumer rights continue to be violated.

Damages & Next Steps : This ongoing issue has caused me financial harm, stress, and significant time loss. XXXX XXXX has yet to reinstate my accounts, despite my previous complaints to their executive office and reports to CFPB. If this matter is not resolved promptly, I will escalate to state and federal regulators and consider legal action for violations under FCRA and related consumer protection laws.

Please respond to this complaint within 15 days, as required under the FCRA. I expect a resolution no later than XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief