Consumer complaint received 2025-04-17 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: GA

Complaint narrative:
On XX/XX/XXXX, I submitted complaint number XXXX with the CFPB in regards to Equifax not honoring my request after violating my rights under FCRA. 
I wrote several dispute letters to Equifax in which I attached my previous letters in the previous complaint as stated above and Equifax never responded to any of my disputes. I provided evidence of my return receipt letter to show that my letters have been received. Due to their lack of timely responses, after several attempts, they are BY LAW, ( FCRA ) supposed to delete the disputed accounts. 

In their response to my complaint with the CFPB regarding my on-going situation with Equifax, they gave me a " summary '' of their " dispute results '' with the CFPB on XX/XX/XXXX, but never sent me an updated full credit reporting in addition to their summary to the CFPB. Equifax is still in CLEAR VIOLATION OF MY RIGHTS, in addition to damaging my credit worthiness. 


I am also requesting that you delete all erroneous variations of the spelling of my name ( s ) on your reportings as this can lead to fradulent activity on my reports. My only correct name is XXXX XXXX XXXX. You can delete all other variations of that Consumer name from my reporting.

This will by my final complaint on an on-going matter that is damaging my credit reputation and causing me to get denied loans or given ludicrous interest rates due to these erroneous reports that they were never able to prove why they are reporting them. After several letters, they should have been able to provide me feedback on my disputes. 

They took over the 15 day allowed time the first time I complained in XX/XX/XXXX to the CFPB about this. They did not respond until XX/XX/XXXX. If within 15 days of my reporting this second complaint to the CFPB, I have not received a full written updated report in the mail with the results of my dispute, I will turn over all of my paper trail that I have against Equifax and said collectors or creditors over to my attorney so that we can have our day in court.

I believe I have been more than fair and patient up to this point. 

I should receive a response to this complaint through the CFPB and the United States Post Office by Friday, XX/XX/XXXX. 

I am also requesting that you delete all erroneous variations of the spelling of my name ( s ) on your reportings as this can lead to fradulent activity on my reports. My only correct name is XXXX XXXX XXXX. You can delete all other variations of that Consumer name from my reporting. 

I attached the final letter I had mailed you in XX/XX/XXXX to give you information regarding my previous complaint to the CFPB for your reference. 

I will assure to look over my fully corrected and updated credit report along with your response to my complaint. I will need to see the accounts in question and your results in writing showing that they were not " closed ; '' rather, DELETED from my report. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief