Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This complaint serves as my fourth dispute concerning fraudulent and inaccurate information that continues to be reported on my credit file with your bureau. On XX/XX/XXXX, I submitted a verified dispute, along with complete documentation, as required under the Fair Credit Reporting Act ( FCRA ). It is now XX/XX/XXXX, and the accounts in question remain on my report, in direct violation of federal law. 

Violations of the Fair Credit Reporting Act Include : 1.15 U.S.C. 1681c-2 You are required to block fraudulent information within 4 business days after receiving sufficient proof of identity and a valid dispute.

2.15 U.S.C. 1681i You have failed to reasonably reinvestigate and resolve inaccurate information.

3.15 U.S.C. 1681e ( b ) You are required to ensure the maximum possible accuracy of the information you report.

4.15 U.S.C. 1681n & 1681o You may be held liable for willful or negligent noncompliance with FCRA regulations. 

Documentation Submitted on XX/XX/XXXX : XXXX sworn fraud affidavit XXXX copy of my government-issued ID XXXXA full 3-bureau credit report clearly showing that Equifax is reporting inaccurate or fraudulent accounts not listed with the other bureaus XXXX written statement identifying the specific fraudulent accounts Impact of Equifaxs Failure to Act : Your noncompliance has resulted in : 1.Denials of credit applications and essential purchases 2.Financial and emotional hardship 3.Exposure to continued identity theft risk 4.Violations of my federal consumer rights Relevant Legal Precedents : 1. XXXX XXXX Equifax , Inc., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) This is a consumer lawsuit against Equifax involving credit reporting errors. 
Facts : The plaintiff alleged that Equifax failed to properly investigate disputed information on their credit report, resulting in a violation of the FCRA. The case involved the failure of Equifax to remove inaccurate and outdated data, even after receiving a formal dispute. 
XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) Facts : The plaintiff sued Equifax under the FCRA, alleging that Equifax failed to conduct a reasonable investigation into disputed accounts and continued to report incorrect information, affecting the plaintiffs ability to secure credit. 
XXXX v. Equifax, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Facts : XXXX alleged that Equifax failed to remove fraudulent accounts related to an identity theft claim, despite the consumer providing documentation of the fraud. XXXX had been affected by the Equifax breach, and the company failed to follow through on removing the accounts from the credit report. 

FCRA Compliance : Equifax must comply with FCRA provisions, especially concerning investigations into disputed accounts and removal of fraudulent information ( 15 U.S.C. 1681i and 15 U.S.C. 1681c-2 ).

Consumer Rights : These cases stress Equifaxs responsibility to ensure maximum accuracy in credit reporting and provide consumers with avenues for correcting inaccurate reports. 

Identity Theft Protection : Equifax has a duty to help victims of identity theft and act within the legal timeframe ( XXXX business days ) to remove fraudulent accounts after proper verification. 

Negative accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ________________________________________

Company response to consumer: Closed with explanation