Consumer complaint received 2025-01-24 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: GA

Complaint narrative:
This notice is in reference to longstanding errors and disputes for inaccuracies on my credit report as reported by EQUIFAX due to failed thorough investigations for these ongoing issues. 
Over the past two years, I have repeatedly reached out to EQUIFAX to address these discrepancies. Despite my best efforts, including multiple written requests and phone calls, I have yet to see any resolution. The specific inaccuracies on my credit report include incorrect account balances, fraudulent accounts that do not belong to me ( XX/XX/XXXXXXXX XXXX, XXXX XX/XX/XXXXL XXXX ), late payments that were reported incorrectly ( XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX ). These items not only undermine my creditworthiness but also affect my ability to secure financing and other essential financial services. 

I am referencing the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies conduct reasonable investigations into disputes of credit reporting errors. Specifically, Section 611 of the FCRA clearly states : The consumer reporting agency shall, free of charge, conduct a reasonable investigation of a consumers dispute, and shall correct any inaccuracies.

- The consumer reporting agency shall notify the consumer of the results of the investigation within 30 days. EQUIFAX has failed to adhere to these regulations as I have yet to receive satisfactory proof that they have conducted an appropriate investigation or rectified the inaccuracies on my credit report.

Furthermore, according to the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to fair treatment and accurate reporting of my financial information. This lack of response and resolution constitutes a violation of my rights.

Violation of Federal Law : Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681, it is mandated that credit reporting agencies such as EQUIFAX verify the accuracy of the information provided by creditors before it is reported. Obligation of Credit Reporting Agencies : A-The FCRA requires credit reporting agencies to obtain and maintain proper documentation and disclosures which show proof of consent from consumers allowing creditors access to their credit information. B-The credit reporting agencies are responsible for ensuring maximum possible accuracy in consumer reports, and without certified documents from the information furnishers asserting the truthfulness of the reported data, it is not permissible for inaccurate information to be recorded in a consumer 's credit file. Prior to the reinsertion of an item on my credit report, Section 623 of the FCRA mandates that the furnisher has verified the accuracy of the disputed information. MY INFORMATION HAS BEEN CONTINUOUSLY REINSERTED WITH THESE VIOLATIONS.

Failure to Provide Documents and Compliance : 1. I have not received any certified documents confirming the veracity of the information reported by any of these creditors. 2. There is no documentation showing that the information was appropriately certified as being true and accurate by the furnisher violating the requirements set forth by the FCRA.

I kindly ask that the CFPB take appropriate measures to investigate this matter and ensure compliance from EQUIFAX regarding the FCRA and FDCPA. I also request that you provide me with updates on your findings and any actions taken in response to my dispute.

Thank you for your attention to this matter. I appreciate your prompt response to resolve these longstanding errors.

Company response to consumer: Closed with non-monetary relief