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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : Formal Complaint Against XXXX for Violations of the Fair Credit Reporting Act ( FCRA ) Complainant : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX GA XXXX Phone Number : XXXX Email : XXXX Respondent : XXXX XXXX XXXX XXXX XXXX. 

-- - I. Summary of Complaint I am filing this complaint against XXXX for its blatant and repeated violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. XXXX has : XXXX. Failed to conduct a reasonable investigation within the required XXXX timeframe ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ). 

XXXX. Failed to notify me of the results of its investigation ( 15 U.S.C. 1681i ( a ) ( 6 ) ). 

XXXX. Failed to correct or delete inaccurate, incomplete, or unverifiable information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ). 

XXXX. Reported inaccurate information despite clear evidence of errors ( 15 U.S.C. 1681e ( b ) ). 

XXXX. Engaged in unfair, deceptive, and abusive acts and practices ( UDAAP ) in violation of the Consumer Financial Protection Act ( XXXX ), 12 U.S.C. 5531. 

-- - XXXX. Detailed Explanation of Violations XXXX. Failure to XXXX a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ) ) In XXXX, XXXX, XXXX, and now XXXX, I formally disputed multiple errors on my XXXX credit report. The FCRA requires XXXX to complete an investigation within 30 days. To date, XXXX has failed to conduct a reasonable investigation or resolve my dispute. 

XXXX. Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( XXXX ) ) XXXX is legally obligated to provide written notice of the results of its investigation within XXXX business days of completion. It has failed to do so. 

XXXX. Failure to Correct or Delete Inaccurate Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ) Despite overwhelming evidence proving errors on my credit reportincluding [ List Errors, e.g., incorrect late payments, fraudulent accounts, incorrect personal information ] XXXX has refused to correct them. 

XXXX. Willful and Negligent Reporting of Inaccurate Information ( 15 U.S.C. 1681e ( b ) ) The FCRA mandates that XXXX ensure maximum accuracy. Instead, XXXX continues to report erroneous and damaging information, severely impacting my financial well-being. 

XXXX. Unfair, Deceptive, and Abusive Practices ( 12 U.S.C. 5531 ) Experians failures have caused significant harm, including denied credit opportunities, higher interest rates, and financial distress. This constitutes unfair and deceptive practices. 

XXXX XXXX XXXX. XXXX Requested I request that the CFPB : XXXX. Order XXXX to conduct a proper investigation and correct all errors immediately. 

XXXX. Impose fines for XXXX noncompliance with federal law. 

XXXX. Require XXXX to disclose its investigative procedures and ensure FCRA compliance. 

XXXX. Award damages for financial and emotional distress. 

-- - XXXX. Conclusion Experians failure to comply with federal law demands immediate enforcement action. I urge the CFPB to hold XXXX accountable. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation