Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have sent Equifax three formal dispute letters via mail since XX/XX/year>. Each dispute included valid and legible identity documents : a full-color copy of my Maryland drivers license, Social Security card , and a recent bank statement with my current address. All documents were clear and compliant, and the Social Security number was also handwritten to avoid any system misreads. Every time I call Equifax to check on the status of the dispute, they claim they are unable to verify my documents. 

Despite this, Equifax has failed to verify identity, process the disputes, or provide any written response, which is a clear violation of federal law.

Equifax is in violation of : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation of disputed information ; 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( ii ) Failure to provide written results of the reinvestigation within five business days ; 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy ; 15 U.S.C. 1681i ( a ) ( 3 ) ( A ) Improperly dismissing or delaying a dispute by claiming unverifiable identity without just cause.

These disputes include : Inaccurate reporting of Late 120 Days on collection accounts ; Discrepancies in balances, payment statuses, and open/close dates across credit bureaus ; Unverified or outdated addresses and name variations ; Improper credit inquiries and personal information that can not be verified. 

To date, Equifax has not issued a single written response, nor have they processed these disputes in good faith. This ongoing failure to comply with their legal obligations under 15 U.S.C. 1681i and 1681e has caused direct harm to me.

I request that the CFPB investigate these violations and require Equifax to : 1. Conduct a lawful reinvestigation of all submitted disputes ; 2. Delete or correct all unverifiable and inaccurate information ; 3. Pursuant to 15 U.S.C. 1681i ( a ), I request that Equifax provide the following documentation used in the reinvestigation of the disputed account : The name, title, and contact information of the person ( s ) or department Equifax communicated with ; The exact method of verification used ( including whether the response was automated or reviewed manually ) ; A full copy of all documentation and records used to verify the account ; Confirmation that the furnisher responded within the FCRA-required timeline ; Documentation that proves the disputed item is being reported accurately and in compliance with Metro 2 standards ; A summary of the findings and a clear explanation of how Equifax concluded the account was accurate despite the dispute evidence submitted.

If Equifax can not provide this information, the item must be removed from my credit report in accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

4. Be held accountable for willful noncompliance under 15 U.S.C. 1681n.

Company response to consumer: Closed with non-monetary relief