Consumer complaint received 2025-01-20 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:
Consumer Protection Bureau Complaint Against : Equifax I am writing to formally file a complaint against Equifax regarding their continued reporting of inaccurate and unverifiable information on my credit report. 
Despite receiving all necessary documents, disputes, affidavits, proof of domiciling, and identity, they continue to report these accounts as verified. XXXX and XXXX, after conducting their own investigations, determined these items were unverified and subsequently removed them from my credit report. Your claim that the disputed items are verified is inconsistent and raises significant questions about your processes and compliance with FCRA. This claim is troublingly and inconsistent as it is impossible for two agencies to determine the information as unverifiable while Equifax states otherwise. 
Under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable investigation of any disputed information. 
15 U.S.C. 1681e ( b ) mandates credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. 
Two other credit reporting agencies have removed the disputed items, indicating the information could not be validated. This strongly suggests that Equifax has failed to meet its obligations under the FCRA by continuing to report unverifiable and inaccurate information. 
Additionally, Equifax is reporting late payments on certain accounts, which I believe to be incorrect. Under 15 U.S.C. 1681s-2 ( a ), furnishers of information are required to provide accurate and verifiable information. Furthermore, under the Fair Credit Billing Act ( FCBA ), specifically 15 U.S.C. 1666c, creditors are prohibited from reporting late payments related to a billing error dispute while the dispute remains unresolved. 
XXXX XXXX Mortgage with account opened on XX/XX/XXXX and a balance of {$300000.00}. I dont agree with the negative payment status and history listed on this account. 

XXXXXXXX XXXX XXXX Installment with account opened on XX/XX/XXXXXXXX  and a balance of {$0.00}. I am a victim of identity theft and I never opened this account. 

XXXX XXXX XXXX  Revolving with account opened on XX/XX/XXXX and a balance of {$330.00}. I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Inquiries : Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX, XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX, XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Request for Resolution ( Demand for Relief ) : Verification or Deletion of Disputed Items If the accounts and items can not be properly verified under 15 U.S.C. 1681i, they must be deleted immediately per FCRA 611 ( 15 U.S.C. 1681i ( 5 ) ( A ) ).

Adherence to Metro 2 Compliance Standards As part of Metro 2 compliance, XXXX is required to ensure the accurate reporting and proper validation of information. Failure to do so constitutes a violation of both FCRA and industry compliance standards. 
Removal of Late Payment Entries Any inaccurate late payment entries, especially those tied to disputes, must be removed in accordance with 15 U.S.C. 1666c and 15 U.S.C. 1681s-2 ( a ). 
Provision of Verification Documentation Equifax must provide all documents, records, and evidence used to verify the disputed accounts, including the name, address, and contact details of the individual resp ( a ) ( 6 ). 
Equifax actions are causing harm, distress, and injury to my mental and emotional well-being, as well as damaging my creditworthiness. By failing to adhere to the laws and not validating or removing these disputed and fraudulent items, Equifax remains in violation of federal regulations. 
I respectfully request that the CFPB investigate this matter and hold Equifax accountable for their obligations under the FCRA. All written confirmation regarding this complaint should be sent to my email and USPS

Company response to consumer: Closed with non-monetary relief