Consumer complaint received 2026-05-04 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: CA

Complaint narrative:
I am submitting this complaint to document a non-responsive and procedurally deficient response by Equifax to CFPB Complaint XXXX. The complaint submitted on XX/XX/year> raised specific concerns regarding Equifaxs handling of disputes and reinvestigations under the Fair Credit Reporting Act. The complaint documented that at least eighty-two disputes had been submitted regarding the same inaccurate reporting and that many of those disputes were marked completed within approximately three to five days despite the submission of extensive supporting documentation. Examples included disputes completed within the following timeframes : XX/XX/year> completed XX/XX/year> XX/XX/year> completed XX/XX/year> XX/XX/year> completed XX/XX/year> XX/XX/year> completed XX/XX/year> XX/XX/year> completed XX/XX/year> XX/XX/year> completed XX/XX/year> The complaint also documented that Equifax failed to provide : the results of reinvestigation the method of verification any explanation addressing submitted documentary evidence The documentation submitted with the complaint included evidence of deposits made through a structured debt management program administered by National Debt Relief, as well as conflicting reporting outcomes across nationwide credit reporting agencies. Despite the specificity of the complaint, Equifaxs final response dated XX/XX/year> did not address any of these issues. Instead, Equifaxs response stated only : ID : Current Address - tag only. This response is unrelated to the subject matter of the complaint and does not address dispute handling, reinvestigation procedures, or the evidence submitted. Equifaxs response therefore fails to address the complaint entirely. Providing a response concerning an unrelated data field while closing the complaint as with explanation indicates that the complaint was not reviewed in a manner responsive to the issues presented. This conduct raises serious concerns that complaints are being : misrouted within Equifaxs complaint-handling system processed through automated or templated workflows without substantive review closed administratively without meaningful investigation The pattern documented in this complaint, including the rapid closure of disputes and the absence of verification details, further supports the conclusion that Equifax is not conducting reasonable reinvestigations as required by the Fair Credit Reporting Act. This conduct implicates : XXXX U.S.C. XXXX ( a ) failure to conduct a reasonable reinvestigation XXXX XXXX. XXXX ( a ) ( XXXX ) failure to provide results of reinvestigation XXXX XXXX. XXXX ( a ) ( XXXX ) failure to provide method of verification XXXX XXXX. XXXX ( b ) failure to maintain reasonable procedures to ensure maximum possible accuracy The continued publication of disputed information and the repeated procedural closure of disputes without substantive investigation are also causing documented medical harm. I have diagnosed conditions including XXXX, XXXX stenosis, chronic XXXX, and XXXX XXXX. The stress associated with this ongoing dispute and the repeated non-responsive complaint handling has exacerbated these conditions and is being documented by my treating psychiatrist.

Company response to consumer: Closed with explanation