Consumer complaint received 2025-04-07 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, DC XXXX Subject : Formal Complaint Regarding Credit Reporting Agencies ' Continued Non-Compliance To Whom It May Concern, I am writing to formally notify the Consumer Financial Protection Bureau ( CFPB ) of continued violations of the Fair Credit Reporting Act ( FCRA ) by the nationwide credit reporting agencies , specifically Equifax , Experian, and TransUnion . Despite my previous complaints and efforts to resolve these matters directly with the credit bureaus, they have failed to take corrective action in two key areas : Failure to Remove Inaccurate and Outdated Personal Information : The credit bureaus continue to maintain outdated personal identifiers on my credit file. I have repeatedly disputed old addresses, incorrect name variations, and outdated telephone numbers. However, they have failed to update my file to reflect only my accurate, current information as listed below : Full Legal Name : XXXX XXXX XXXX XXXX Current Address : XXXX XXXX XXXX, XXXX, CA XXXX Phone Number : XXXX Date of Birth : XX/XX/XXXX I expect my credit file to display only this verified, up-to-date information, as the continued presence of outdated details increases the risk of reporting errors and potential identity confusion. Validation of Disputed Accounts Without Proper Investigation : The credit bureaus persist in " verifying '' disputed accounts without conducting a thorough and reasonable investigation, as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). The responses I have received are generic, automated, and lacking in supporting documentation. According to legal precedent ( Dennis v. BEH-1, LLC ), such inadequate investigations constitute a violation of the FCRA. Furthermore, when I requested documentation of prior disputes and investigations, I was informed that these records are not maintained once a dispute is closed. This raises serious concerns about their ability to demonstrate compliance with federal law and maintain accurate records of consumer disputes. Given these ongoing issues, I respectfully request the CFPB to : Investigate the continued non-compliance of the credit reporting agencies. Compel them to remove all outdated personal information from my credit file. Ensure that all future disputes are subject to a proper, documented, and reasonable investigation. I am prepared to provide supporting documentation, including copies of my prior dispute letters and the inadequate responses received from the credit bureaus. For your reference, I will include the specific account numbers associated with these disputes at the conclusion of this letter. Thank you for your attention to this serious matter. I trust the CFPB will take prompt and decisive action to uphold my rights as a consumer. Sincerely, XXXX XXXX XXXX XXXX [ To be completed : List of disputed account numbers ] XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief