Consumer complaint received 2025-12-16 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: TX

Complaint narrative:
I am filing this complaint against Equifax for their failure to respond to my dispute letter dated XX/XX/year>, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which requires consumer reporting agencies to conduct a reasonable reinvestigation of disputed information within XXXX  days of receiving a consumers dispute. 
On XX/XX/year>, I sent a dispute letter to Equifax via mail, requesting an investigation into the following inaccurate negative accounts appearing on my credit report : XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX  : This account is reported inaccurately, and Equifax has failed to provide verification or correct the errors. 
XXXX  XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX This account is also reported inaccurately, with no evidence of proper verification provided. 
XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  This account is also reported inaccurately, with no evidence of proper verification provided. 
XXXX XXXX  Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX : This account is reported inaccurately, and Equifax has failed to provide verification or correct the errors. 
XXXX  XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX  : This account is also reported inaccurately, with no evidence of proper verification provided. 
XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX  : This account is also reported inaccurately, with no evidence of proper verification provided. 
XXXX XXXX XXXX  XXXX  Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX This account is also reported inaccurately, with no evidence of proper verification provided. 

In my dispute letter, I specifically requested that Equifax provide details on how and from whom they are verifying the negative account entries. To ensure my identity was verified, I included copies of my government-issued ID, Social Security XXXX XXXX and proof of address with the dispute letter. 
As of today XX/XX/year>, Equifax has not responded to my dispute letter, failing to meet the XXXX requirement for conducting a reinvestigation under FCRA 1681i. This non-response constitutes a direct violation of my consumer rights and has prevented me from ensuring the accuracy of my credit report. 
Due to XXXX failure to comply with FCRA requirements, I am demanding the permanent removal of the disputed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my credit report. 
Impact of XXXX  Actions : XXXX failure to respond to my dispute has caused significant harm, including potential damage to my credit score, financial opportunities, and emotional distress. Their inaction has hindered my ability to correct inaccurate information, undermining my consumer rights under the FCRA.

Company response to consumer: Closed with non-monetary relief