Consumer complaint received 2025-02-03 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXX XXXX  against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that are inaccurate Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$12000.00} XXXX XXXX XXXX Account Number : XXXX - {$3800.00} XXXX XXXX Account Number : XXXX - {$2700.00} XXXX XXXX  Account Number : XXXX - {$1200.00} XXXX XXXXXXXX XXXX Account Number : XXXX - {$690.00} XXXX XXXXXXXX XXXX XXXX  Account Number XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX Account Number XXXX XXXX - {$790.00} Dept of Education/XXXX  Accounts : Balances ranging from {$160.00} to {$4200.00}, as of XX/XX/XXXX. 

XXXX XXXX Account Number : XXXX - {$1600.00} XXXXXXXX XXXXXXXX XXXX Account Account Name : XXXXXXXX XXXXXXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Status : Unknown Payment History, Closed Bankruptcy Information Reference Number : XXXX Record Type : Bankruptcy XXXX XXXX - Discharged Court : XXXX XXXX XXXX XXXX XXXX Inaccurate addresses and phone numbers Addresses : XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX Phone Numbers XXXX XXXX XXXX Remove these inaccuracies immediately. 
7. Inaccurate Employers The following employers are inaccurately listed on my credit report and must be removed XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX These employers are not associated with me and must be removed. 

Numerous unauthorized inaccurate hard inquiries were made on my credit report, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Auto Finance : Multiple dates in XXXX XXXX XXXX XXXX  : Multiple dates in XXXXXXXX XXXX XXXX XXXX Multiple dates in XXXX Additional inquiries from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want reported accounts removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation