Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Credit Dispute Regarding Improper Investigation, Inconsistent Reporting, and Request for Removal of Inaccurate Derogatory Trade Lines Dear Equifax Dispute Team, I am writing to formally dispute multiple inaccuracies on my credit report and to raise serious concerns about Equifax 's failure to conduct proper investigations of my previous disputes. Additionally, I am deeply concerned about the persistent discrepancies in credit scores and reporting timelines among the three major credit bureaus, with Equifax historically providing the lowest scores. These inconsistencies suggest that the credit reporting system is fundamentally flawed and unreliable for making accurate assessments of consumer creditworthiness. 

Specific Issues and Requests : Inadequate Dispute Investigations : Despite prior dispute submissions, Equifax has failed to properly investigate or provide comprehensive resolutions to disputes regarding inaccurate information on my credit report. This has severely impacted my financial standing and ability to access credit. 

Derogatory Trade Lines : There are derogatory accounts on my credit report for which I am not a primary account holder. These inaccurate trade lines must be removed immediately.

Score Discrepancies Among Bureaus : Equifax consistently reports lower credit scores compared to the other two main credit bureaus. This is indicative of flawed reporting and record-keeping practices. It is incomprehensible that all three agencies can produce such vastly different scores while claiming accuracy. 

Compliance with FCRA Requirements : Under the Fair Credit Reporting Act ( FCRA ), Equifax is obligated to conduct thorough investigations and ensure accurate credit reporting. I demand a comprehensive review of prior disputes and prompt removal of any inaccurate or unverifiable information from my report. 

Notification of Re-Insertions : If any previously removed negative information has been re-inserted, I demand immediate notification as required under the FCRA, along with evidence supporting its accuracy. 

Requested Resolution : Remove all inaccurate derogatory trade lines where I am not the primary account holder. 
Provide a detailed and documented review of prior disputes and their outcomes. 
Ensure compliance with proper investigative procedures as outlined by federal regulations. 
Address the ongoing issue of inconsistent score reporting by bringing Equifax 's scoring methodology in line with industry standards. 
Please respond within the legally required timeframe and provide written confirmation once these corrections have been made. If this matter is not adequately resolved, I will have no choice but to escalate my complaint further. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation