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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year>2025 Consumer Financial Protection Bureau Office of Iowa Subject : Strong Complaint Against Equifax for Continued Deceptive Practices Dear CFPB Iowa Office, I am writing to formally lodge a complaint against Equifax for its ongoing deceptive practices and blatant disregard for consumer rights, despite the recent ruling where your agency ordered Equifax to pay {$15.00} XXXX  for improper investigations of credit reporting errors. It is disheartening to witness that even after facing such consequences, Equifax continues to fail in its obligation to conduct adequate investigations of disputed information in credit reports. 

On XX/XX/XXXX, your findings revealed that Equifax had violated the Fair Credit Reporting Act ( FCRA ) requirements regarding the investigation and processing of consumer disputes. The CFPBs assessment highlighted severe deficiencies in Equifaxs systems and processes, which excessively defer to furnishers and do not prioritize consumer accuracy. This is not merely an oversight ; it is a systemic issue that harms consumers like myself. 

My experience with Equifax has been a frustrating one. Despite submitting detailed disputes regarding my credit report, I received responses that were not only confusing but also contradictory. For instance, I was informed that an item on my report had been verified as accurate while simultaneously receiving notification that the same item had been deleted. Such inconsistencies reflect a troubling lack of thoroughness in Equifax 's investigation process. 

Additionally, I would like to draw attention to a specific instance where Equifax mismanaged my credit report. I have a {$200.00} account that was in good standing and closed, yet Equifax deleted this credit card account from my report without just cause. I possess documentation from XXXX XXXX XXXX confirming that they have updated and reported my information to all three bureaus. This raises serious concerns about Equifax 's adherence to FCRA Section 609 ( a ), which mandates that consumer reporting agencies disclose all information in a consumer 's file upon request. Moreover, FCRA Section 607 ( b ) requires that when preparing a consumer report, the agency must follow reasonable procedures to assure maximum possible accuracy.

The ongoing issues with Equifax 's reporting practices not only violate my rights as a consumer but also undermine the integrity of the credit reporting system as a whole. I urge the CFPB to take immediate action against Equifax, ensuring they are held accountable for their deceptive practices and that measures are implemented to protect consumers from further harm.

Thank you for your attention to this urgent matter. I look forward to your prompt response and the necessary actions taken to rectify these injustices. 

Sincerely,

Company response to consumer: Closed with explanation