Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/year>, I mailed Equifax a formal written dispute regarding multiple inaccurate, inconsistent, and unverifiable accounts on my Equifax credit report. I also disputed an incorrectly reported XXXX XXXX XXXX 
My dispute package included : A detailed written dispute listing every inaccurate account Itemized explanations of FCRA violations A dispute of a falsely reported XXXX  A request for a full reinvestigation Copies of my ID, Social Security card, and proof of address A request for an updated, corrected credit report Equifax has not responded, not investigated, and not provided any reinvestigation results within the XXXX XXXX period. The disputed negative items remain on my credit report unchanged. 
This is a clear and serious violation of federal law, including : FCRA 611 ( 15 U.S.C. 1681i ) Failure to investigate my dispute within 30 days FCRA 609 Failure to provide consumer disclosures FCRA 611 ( a ) ( 6 ) Failure to provide written results of reinvestigation FCRA 607 ( b ) Failure to ensure maximum possible accuracy FCRA 610 Failure to conduct and communicate a reinvestigation Equifax received everything required to initiate a legal dispute and simply did not respond. 
Items I Properly Disputed ( Based on My Attached Letter ) My dispute letter ( attached ) contains detailed documentation of all inaccurate information. 
XXXX. XXXX Card Account Issues included : Conflicting dates opened Conflicting high credit limits {$0.00} balance + Derogatory status ( contradictory ) XXXX remarks that do not match the payment history Material inconsistencies across all bureaus This information is inaccurate and unverifiable, violating FCRA 607 ( b ). 
XXXX. Multiple XXXX XXXX Loan Accounts Equifax reports : Derogatory + Unknown status XXXX remarks that are false, because student loans are generally not XXXX through XXXX Inconsistent dates, limits, terms, and histories XXXX  showing Charge-Off while Equifax shows Unknown No XXXX payment record across bureaus XXXX XXXX XXXX XXXX {$0.00} ( materially inaccurate ) These accounts can not be verified and must be deleted under FCRA 611 ( a ). 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Errors include : Contradictory statuses across bureaus XXXX remarks with no documentation Missing or conflicting payment history High credit showing as {$0.00} on Equifax but {$34000.00} on others This reporting is inaccurate, incomplete, and unverifiable. 
XXXX. XXXX, XXXX XXXX, XXXX XXXX, and Other Accounts These accounts include : Conflicting balances Incorrect XXXX  notations Conflicting dates opened Inaccurate payment history Incomplete or Unknown statuses Discrepancies between all XXXX bureaus These items violate FCRA 607 ( b ) ( maximum possible accuracy ). 
XXXX. Public Record XXXX XXXX XXXX XXXX Ref # XXXX ) The XXXX  reported by Equifax is incorrect, incomplete, and unverifiable : The court name is listed only as Federal ( not legally allowable ) Liability, assets, and exemption amounts all listed as {$0.00} ( impossible for a bankruptcy case ) Missing location, docket info, and required identifying information No proof of direct court verification Reporting contradicts other bureaus Because it is unverifiable and inaccurate, Equifax is required to delete it under FCRA 611 ( a ). 
Equifax : Did not respond to my mailed dispute Did not complete an investigation Did not provide written results Did not correct or delete inaccurate information Continued reporting of known inaccurate, inconsistent, and unverifiable information Ignored the documentation I provided Violated the XXXX investigation rule under FCRA 611 This is a clear violation of the Fair Credit Reporting Act and my consumer rights.

Company response to consumer: Closed with non-monetary relief