Consumer complaint received 2025-02-09 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: SC

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my dispute Debt Collection Practices ( Regulation F ) AGENCY : Bureau of Consumer Financial Protection.

ACTION : Final rule ; official interpretation.

SUMMARY : The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ). The final rule governs certain activities by debt collectors, as that term is defined in the FDCPA. 
Among other things, the final rule clarifies the information that a debt collector must provide to a consumer at the outset of debt collection communications, prohibits debt collectors from bringing or threatening to bring a legal action against a consumer to collect a time-barred debt, and requires debt collectors to take certain actions before furnishing information about a consumers debt to a consumer reporting agency. 
DATES : This rule is effective on XX/XX/XXXX. 
FOR FURTHER INFORMATION CONTACT : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, at XXXX. If you require this document in an alternative electronic format, please contact CFPB_Accessibility@cfpb.gov. 
2 SUPPLEMENTARY INFORMATION : I. Summary of the Final Rule The Bureau is finalizing amendments to Regulation F, 12 CFR part 1006, which implements the FDCPA.1 The amendments prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA ( debt collectors or FDCPA debt collectors ). 
The final rule clarifies the information that a debt collector must provide to a consumer at the outset of debt collection communications and provides a model validation notice containing such information. The final rule also addresses consumer protection concerns related to passive collections ( i.e., the practice of furnishing information about a debt to a consumer reporting agency before communicating with the consumer about the debt ) and the collection of debt that is beyond the statute of limitations ( i.e., time-barred debt ). On XX/XX/XXXX, the Bureau published a final rule in the Federal Register that focused on debt collection communications and related practices by debt collectXXXX XXXX XX/XX/XXXX Final Rule ). The XX/XX/XXXX XXXX XXXX reserved certain sections of Regulation F in anticipation of this final rule. 
As discussed in the XX/XX/XXXX Final Rule, in XXXX, Congress passed the FDCPA to eliminate abusive debt collection practices by debt collectors, to ensure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses.2 The statute was a response to abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors.3 According to Congress, these practices

Company response to consumer: Closed with explanation