Consumer complaint received 2025-07-19 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DOB : XX/XX/XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX Subject : Formal Dispute & Complaint Continued Reporting of XXXX and XXXX Accounts in Violation of the FCRA ( Reference CFPB Complaint # XXXX ) To Whom It May Concern, This is a formal dispute and complaint against Equifax Information Services LLC for its continued and willful violation of the Fair Credit Reporting Act ( FCRA ). I am specifically referencing CFPB Complaint # XXXX, which I filed on XX/XX/XXXX. Under 15 U.S.C. 1681i, I demand a full reinvestigation of this account. I explicitly do not authorize the use of automated e-Oscar or similar systems ; I require a thorough, manual, independent review using direct records obtained from the original creditor, along with copies of all documentation used to verify this account. In that complaint, I disputed the following two accounts : 1. XXXX Account ending in XXXX 2. XXXX Account ending in XXXX Equifax responded by claiming that these accounts were not currently reporting on the Equifax credit file. This statement is false, deceptive, and intended to mislead. 

# # # Ongoing Violations As of my most recent Equifax credit report dated * * XX/XX/XXXX * *, both accounts continue to appear, simply under slightly altered names : - * * XXXX XXXXXXXX * * - Account Number : XXXX - Status : Charged Off - Balance : {$11000.00} - Last Reported : XX/XX/XXXX - * * XXXX XXXX XXXX XXXX * - Account Number : XXXX - Status : Charged Off - Balance : {$9700.00} - Last Reported : XX/XX/XXXX Equifax has not deleted these accounts. Instead, it appears the accounts were relabeled in an attempt to bypass the record of prior disputes and misrepresent the nature of the data. 
Additionally, the XXXX account continues to be reintroduced under multiple name formats across my credit reports, despite representing the same account that has already been disputed and previously deleted. These variations include : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  These inconsistent naming conventions appear to be a calculated strategy to circumvent automated tracking systems like e-OSCAR, relabel previously deleted data as new, and obscure the consumers ability to enforce dispute rights. This behavior is not only deceptive, but it obstructs the dispute process and directly violates consumer protections under the FCRA. 

# # # Legal Violations Equifax is in violation of the following FCRA provisions : - * * 15 U.S.C. 1681e ( b ) * * Failing to ensure maximum possible accuracy.

- * * 15 U.S.C. 1681i ( a ) * * Failing to conduct a reasonable reinvestigation.

- * * 15 U.S.C. 1681s-2 ( b ) * * Failing to modify, delete, or block inaccurate data after dispute notification.

- * * 15 U.S.C. 1681c ( a ) ( 4 ) * * Continuing to report obsolete information beyond the legally allowed timeframe.

- * * 15 U.S.C. 1681g ( a ) * * Failing to clearly and fully disclose all information in the consumer file.

# # # Requested Relief I hereby demand the following actions be taken : 1. A * * manual reinvestigation * * of the accounts listed above. * * Do not * * use the e-OSCAR automated dispute system.

2. Immediate and * * permanent deletion * * of both the XXXX and XXXX accounts from my Equifax credit file. 
XXXX. Full disclosure of the account history, original furnisher records, and verification documents in compliance with XXXX XXXX formatting. 
4. A detailed explanation of how Equifax justified its false response in CFPB Complaint # XXXX. 
5. Regulatory enforcement by the CFPB for repeated violations and deceptive dispute handling practices. 

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation