Consumer complaint received 2025-01-27 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:
CFPB XXXX XXXX Equifax XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX XX/XX/year> XXXX ( XXXX ) XXXX XXXX Company You Are Filing the Complaint Against : Company Name : Equifax , Inc . 
XXXX XXXX XXXX XXXX, GA XXXX Website : www.equifax.com Description of the Complaint : Issue Category : Credit Report Issue / Inaccurate Information on Credit Report Account being disputed : XXXX XXXX XXXX ; Account Number : XXXX Summary of the Complaint : I am filing a formal complaint against Equifax for failing to properly investigate and resolve an inaccurate charge-off account on my credit report, which I have disputed multiple times. Despite having removed the account from my reports at other credit bureaus ( XXXX and XXXX ), Equifax continues to report the erroneous charge-off, and has even re-added it to my credit report after it was previously removed. 
I have filed multiple disputes with Equifax through the Consumer Financial Protection Bureau ( CFPB ), and I have sent letters directly to Equifax requesting proper investigations, yet Equifax has failed to comply with the requirements under the Fair Credit Reporting Act ( FCRA ). In addition, when I requested reinvestigation of the account, I received no meaningful response or action on their part. 
Furthermore, I have become aware that the CFPB has recently fined Equifax {$15.00} XXXX for improperly handling credit report disputes and failing to remove or reinsert errors after disputes. This ruling underscores a pattern of misconduct that directly applies to my case.

This is a clear violation of the FCRA, including but not limited to : 15 U.S.C. 1681e ( b ) : Equifax has failed to follow reasonable procedures to ensure the accuracy of the information reported.

15 U.S.C. 1681s-2 : As a furnisher of information, Equifax has failed to report accurate information to the credit bureaus.

15 U.S.C. 1681i : Equifax has not conducted a reasonable investigation upon my dispute, nor have they corrected the inaccurate information.

15 U.S.C. 1681c ( c ) : The inaccurate charge-off account should have been removed after a certain period, but it continues to appear on my report.

15 U.S.C. 1681c-2 ( c ) ( a ) : Information that is inaccurate can not be re-reported after being properly removed from my credit file.

Details of the Dispute : The disputed account is a charge-off reported on my credit file, which I believe is inaccurate. 
I initially disputed this account with Equifax on [ insert date ( XXXX ) ] through both the CFPB and directly with Equifax. I provided all necessary documentation and a clear explanation of why this account was inaccurate. 
Although other credit bureaus, including XXXX and XXXX, have removed this account after my dispute, Equifax continues to report it and has even re-added it after a previous removal. 
I have requested reinvestigation multiple times, but I have received no substantial response from Equifax and the issue remains unresolved.

Resolution Sought : I request that Equifax take the following actions : Immediate removal of the erroneous charge-off account from my credit report, as it has been removed from other bureaus. 
A full and proper investigation of the dispute in compliance with the Fair Credit Reporting Act, specifically ensuring the accuracy of the information reported to my credit file. 
A written statement from Equifax confirming the resolution of this matter, including details of any investigation that took place and a declaration that the issue has been properly addressed. 
Ensure that the account is not re-reported after being correctly removed from my credit file. 
Compensation for the inconvenience and distress caused by the improper investigation and incorrect reporting of this account.

Company response to consumer: Closed with explanation