Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am filing this complaint against Equifax due to their persistent failure to address my disputes and ensure accurate reporting on my credit report, in violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). I previously mailed a dispute letter to Equifax dated XX/XX/XXXX, requesting an investigation into XXXX inaccurate accounts on my credit report : XXXX ( Account Number : XXXX ) and XXXX ( Account Number : XXXX ). I provided all required documentation to confirm my identity, including copies of my ID, Social Security card, and proof of address. However, Equifax failed to respond to my dispute. 
I then filed a CFPB complaint regarding this issue, but Equifaxs response was insufficient and did not resolve the problem. As of today, my Equifax credit report continues to show these discrepancies, incomplete data, and missing information related to the disputed accounts. I am mailing another dispute letter to Equifax dated XX/XX/XXXX, demanding the removal of the following inaccurate accounts : - XXXX - XXXX : XXXX and XXXX report the account number as XXXX, while Equifax reports it as XXXX ; high balance on XXXX and XXXX is {$1200.00}, but Equifax reports {$5000.00} ; Equifax is not reporting the date last verified, date of last activity, date closed, date of last payment, or credit limit ; Equifax is not reporting the XXXX payment history ; payment status on XXXX says XXXX Unknown, '' XXXX says XXXX Late 60 Days, '' and Equifax says XXXX Current '' ; all bureaus incorrectly report the dispute status as " account not disputed '' despite prior disputes. 
- XXXX  - XXXX : Equifax is not reporting the high balance or credit limit ; date of last activity on XXXX is XX/XX/XXXX, XXXX reports XX/XX/XXXX, and Equifax reports XX/XX/XXXX ; XXXX reports the date opened as XX/XX/XXXX, while XXXX and Equifax report XX/XX/XXXX ; Equifax is not reporting the date closed ; Equifax reports the account rating as " Open, '' while XXXX and XXXX report " XXXX  '' ; Equifax reports the account status as " open, '' while XXXX and XXXX report " closed '' ; payment status on XXXX and Equifax says " XXXX, '' but XXXX says " XXXX  '' ; XXXX reports XXXX date of last payment as XX/XX/XXXX, while Equifax reports XX/XX/XXXX ; Equifax is not reporting the XXXX payment history ; all bureaus incorrectly report the dispute status as " account not disputed '' despite prior disputes. 
Under the FCRA, Equifax is obligated to ensure all reported information is accurate and verifiable ( Sections XXXX and XXXX ( b ) ). Their failure to correct these inaccuracies, despite my prior disputes, violates these requirements. This ongoing issue is causing me significant harm by misrepresenting my creditworthiness, affecting my ability to secure credit, and causing financial distress. 
Recent Legal Action and Non-Compliance : The Consumer Financial Protection Bureau ( CFPB ) recently ordered Equifax to pay a {$15.00} XXXX penalty for failing to conduct proper investigations of consumer disputes ( source : CFPB Orders Equifax to Pay {$15.00} XXXX for Improper Investigations of Credit Reporting Errors, Consumer Financial Protection Bureau, XXXX XXXX XXXXXXXX ). The CFPB found that Equifax neglected consumer-submitted evidence, allowed previously deleted inaccuracies to reappear, and relied on flawed processes. Given this pattern of non-compliance with the FCRA, Equifaxs failure to correct the inaccuracies on my credit report further demonstrates their disregard for their legal obligations under Sections 1681i and 1681e ( b ).

Company response to consumer: Closed with non-monetary relief