Consumer complaint received 2025-09-04 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Company Complained About : Equifax Information Services XXXX LLC XXXX. XXXX XXXX XXXX, GA XXXX Date of Incident : XX/XX/year> ( date on Equifax letter ) Summary of the Issue : I submitted a valid dispute to Equifax concerning inaccurate information being reported on my credit report by the following furnishers : XXXX XXXX XXXX Account ending in XXXX XXXXXXXX XXXX XXXX XXXX Account ending in XXXX XXXX XXXXXXXX XXXX XXXX Account ending in XXXX XXXX Instead of conducting a proper reinvestigation as required under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), Equifax sent me a letter ( attached ) dated XX/XX/year>, stating that they considered my dispute " frivolous '' and would not research it further. 

The letter falsely claims I have disputed these items twice within the last 90 days and failed to provide new relevant information. This is inaccurate and misleading. I provided clear documentation showing the inaccuracies and specifically requested that Equifax verify the accounts by providing : The method of verification used, including the name and title of the person who verified the account. 

Full documentation from the furnishers, including any chain of title, assignment agreements, and original signed contracts. 

Verification of whether the debt had been securitized or sold, along with any supporting records. 

Double-entry accounting records proving the existence and balance of the alleged debt. 

Equifax completely ignored these requests and instead issued a generic, dismissive letter. By doing so, they failed to fulfill their statutory duty to conduct a reasonable investigation and to provide the results of that investigation, in violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 6 ).

How This Has Harmed Me : Equifax 's failure to investigate has caused ongoing harm, including : Defamation of character due to inaccurate and unverified negative items remaining on my credit report. 

Denial of creditworthiness, resulting in potential denials of credit, higher interest rates, and damaged financial opportunities. 

Emotional distress and frustration due to Equifax 's refusal to follow federal law and provide transparency. 

These inaccurate accounts continue to report and harm my credit profile every month, exacerbating the damage. 

Requested Resolution : I am requesting that the CFPB take action to ensure that Equifax : Conducts a proper reinvestigation of the disputed accounts in compliance with 15 U.S.C. 1681i. 

Provides a complete method of verification including : Name and title of the person who verified the debts. 

Copies of all documentation provided by the furnishers. 

ACDB logs or equivalent system records used during verification. 

Removes the inaccurate accounts from my credit report if the furnishers can not produce legally sufficient evidence of the debts. 

Stops sending form letters that dismiss valid disputes without investigation. 

Compensates me for damages, including but not limited to statutory damages under the FCRA, for willful noncompliance. 

Attached Documentation : Copy of Equifaxs letter dated XX/XX/year>. 

Copies of my original disputes sent to Equifax. 

Supporting evidence showing inaccuracies in the reported accounts.

Company response to consumer: Closed with explanation