Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Subject : Complaint Regarding Failure to Delete Fraudulent Accounts from Credit Repor violating the law FCRA To Whom It May Concern, I am writing to file a formal complaint against EQUIFAX for their failure to remove fraudulent accounts on my credit report as required by law. 

I recently disputed several accounts on my credit report under the claim of identity theft, pursuant to 15 U.S.C. 1681C-2. I submitted an FTC identity theft report ( FTC Report Number : XXXX ) as evidence. The credit bureau acknowledged my dispute but has not complied with the requirements set forth by the Fair Credit Reporting Act ( FCRA ). 

Despite my initial request for the blocking of these fraudulent items, the following account remain on my credit report : XXXX. XXXX XXXX  XXXX XXXX XXXX - Date opened XX/XX/year> XXXX XXXX. XXXX ( XXXX ) - Description of XXXX : Pursuant to the FCRA, credit reporting agencies are obligated to provide a description of the investigation within XXXX  days of receiving a consumer 's dispute. To date, I have not received this required information. 

XXXX XXXX. XXXX ( a ) ( XXXX ) ( a ) - XXXX XXXX : Per the FCRA, you are required by federal law to verify all accounts and public information through physical verification og the original signed consumer contract and/or judgment ( XXXX ). Without such verification, there is a risk that erroneous or fraudulent information could be included in credit reports. Given the lack of adequate verification, I request the removal of this unauthorized public record information. 

Accuracy Compliance : Additionally, under XXXX XXXX. XXXX ( b ), you are required to follow reasonable procedures to ensure maximum possible accuracy of the information in my credit report. If the information can not be verified, per XXXXXXXX XXXX XXXX ( a ) ( XXXX ), I request that you delete any unverifiable information. 

Failure to Investigate Accurately ( XXXX XXXX. XXXX ) : After submitting a dispute regarding inaccuracies on my credit report, I did not receive a thorough investigation within the mandated XXXX timeframe. The results of the investigation did not adequately address my concerns. 

According to XXXX XXXX. XXXX, credit reporting agencies are required to block disputed information identified as resulting from identity theft within XXXX business days of receiving a valid identity theft report. Additionally, under XXXX XXXX. XXXX ( a ) ( XXXX ) and XXXX ( XXXX ), any unverifiable or inaccurate information must be removed from my credit report. 

Inadequate Compliance Procedures ( XXXX XXXX. XXXX ( b ) ) : The bureau has not demonstrated that it has implemented reasonable procedures to ensure the accuracy and completeness of the information provided on my report. I am requesting detailed information on the procedures used during the investigation. 

I demand that the CFPB investigate this matter and take appropriate action to ensure that this fraudulent account is deleted from my credit report. I expect a prompt resolution to this issue and would appreciate any guidance you can provide regarding my rights in this matter. 

Thank you for your attention to this urgent issue.

Company response to consumer: Closed with explanation