Consumer complaint received 2025-01-29 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:
XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, XXXX XXXX To Whom It May Concern, I am writing to file a formal complaint regarding the inaccuracies and unverified information currently listed on my Equifax credit report. These inaccuracies have been reported in violation of the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX XXXX XXXXXXXX, which requires that credit reporting agencies maintain accurate and fair records and conduct thorough investigations into disputed information. 

The following accounts have been inaccurately reported on my Equifax credit report : XXXX. XXXX XXXX XXXX Reported : XXXX XXXX, XXXX Balance : {$12000.00} Status : Closed XXXX XXXX XXXX Reported : XXXX XXXX, XXXX Balance : {$160.00} Status : Needs Attention XXXX. XXXX XXXX, XXXX. 
Reported : XXXX XXXX, XXXX XXXX : {$780.00} Status : Needs Attention XXXX. XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX Balance : {$280.00} Status : Open balance Original Creditor : XXXX XXXX XXXX XXXX I respectfully request the immediate removal of these accounts from my credit report for the following reasons : XXXX XXXX XXXX : This account has been marked as closed, yet the balance remains incorrect. The account should either be updated or removed. 
Credit Collections : This account is reported as Needs Attention, but I have received no confirmation or verification of the accuracy of this debt. It should be removed or corrected. 
XXXX XXXX, XXXX : This collection account, like the Credit Collections entry, was disputed and lacks proper verification. It should also be removed or corrected. 
XXXX XXXX XXXX XXXX : This account has an open balance, yet I have not received any legitimate verification of this debts current status. It is either unverifiable or inaccurate and should be removed. 

These accounts have not been adequately investigated or verified, which violates my rights under the XXXX XXXX XXXXXXXX XXXX XXXX. As a credit reporting agency, Equifax is required to ensure that the information it reports is accurate, complete, and timely. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mandates that upon receiving a dispute, Equifax must conduct a reasonable investigation to determine whether the disputed information is accurate. The continued reporting of unverified or inaccurate information is a violation of this provision, and I am requesting that these accounts be thoroughly reviewed, corrected, or removed. 

I also request that the CFPB : 1. Investigate Equifaxs failure to properly handle my disputes and resolve the inaccurate information in my credit report.

2. Require Equifax to immediately remove any inaccurate, incomplete, or unverifiable information from my credit report.

3. Ensure that Equifax conducts a thorough investigation of the disputed accounts and provides a detailed explanation of the actions taken to resolve the disputes. 

As these errors have a significant impact on my credit score and financial well-being, I respectfully request that you intervene and remove these items promptly, ensuring my credit report is accurate and compliant with the law. 

Thank you for your prompt attention to this matter. I look forward to your immediate response and resolution of these disputes. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief