Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Subject : Repeated FCRA Violations by Equifax XXXX to Process Mailed Disputes and Investigate. 

Complaint : I am filing this complaint due to XXXX repeated failure to process mailed disputes and supporting documentation I submitted throughout XX/XX/XXXX. Despite sending XXXX separate letters via XXXX Mail ( dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), Equifax has claimed that none of them were received, which is highly unlikely and suggests systemic negligence or intentional avoidance. 

On XX/XX/XXXX, I mailed a letter disputing several unauthorized credit inquiries under FCRA 604 and requested the removal of the 10 unauthorized accounts below. I also informed Equifax reps over the phone that since the letter was sent, I was notified that I was a victim of identity theft and have supporting documentation from XXXX XXXX Plan and XXXX stating XXXX Personal Identifiable Information was compromised in XXXX separate data breaches. I also have an FTC Identity Theft Affidavit. 
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  XX/XX/XXXX. 

On XX/XX/XXXX, I mailed the following documentation showing that XXXX XXXX. of XXXX closed accounts were outdated and inaccurately reported. In XX/XX/XXXX, a TransUnion credit report showed that the XXXX XXXX of XXXX accounts should have been removed in XX/XX/XXXX. Equifax has taken no action and ignored this correspondence. 

On XX/XX/XXXX, I sent additional documentation from XXXX, in which they admitted in writing that they can not provide the Date of First Delinquency ( DOFD ) a critical FCRA compliance element under 605 ( c ). As the accounts are now unverifiable, they should be removed. Equifax again claims no receipt of this mail.

Despite these efforts, Equifax has refused to process or even acknowledge receipt of my mailed disputes, obstructing my right under FCRA 611 to dispute and correct inaccurate information on my consumer report. I have also attempted to use their online dispute system, but I experienced technical errors when trying to upload documents. I also notified Equifax of this submission issue multiple times over the phone and in my letter mailed on XX/XX/XXXX. 

Additionally, Equifax agents have provided inconsistent or incorrect mailing addresses over the phone, making it difficult to determine the proper address for sending disputes. I have mailed documents to both known P.O. boxes ( see attached letters mailed ), and yet have received no confirmation of receipt or any response to date. This creates further confusion and hinders consumers ' ability to exercise their legal rights. For your reference, I called Equifax on the following dates and times : XXXX XXXX, XXXX, at XXXX am ( EST ) : A very rude and incompetent male rep told me it would be a 1-hour wait to speak with a supervisor after he failed to assist me ; he disconnected me shortly after I agreed to wait. 
XXXX XXXX, XXXX, at XXXX am ( EST ) : Nice and helpful rep, however, there was an address discrepancy. 
XXXX XXXX, XXXX, at XXXX pm ( EST ) : Nice and helpful rep, however, there was an address discrepancy. 

I am requesting the CFPBs assistance in compelling Equifax to comply with federal law and provide transparency, accountability, and prompt resolution.

Company response to consumer: Closed with non-monetary relief