Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing as a follow-up to my previous correspondence disputing inaccuracies in my credit report, specifically regarding accounts erroneously marked as included in bankruptcy and accounts reflecting incorrect late payment histories. To date, I have not received a substantive response addressing my concerns, nor have the requested corrections been made. The continued misrepresentation of these accounts constitutes a failure to uphold the investigatory and reporting standards mandated by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Failure to Adhere to FCRA Standards I am compelled to question the thoroughness and integrity of the verification process conducted in response to my dispute. In accordance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus are legally required to conduct a reasonable reinvestigation of disputed information. Given that these inaccuracies persist despite my dispute, I request clarification on the following points : 1.Verification Procedures : What specific steps were undertaken to verify the accuracy of the information provided by the furnishers?

Did the furnishers supply documented evidence substantiating their reporting?

2.Compliance with FCRA Requirements : The FCRA mandates that consumer reporting agencies ensure maximum possible accuracy in credit files. Why has demonstrably false information remained on my report?

3.Deficiency in Investigation : The failure to rectify these errors suggests an overreliance on creditor-furnished data without independent verification. How does your bureau ensure compliance with the investigative obligations set forth under XXXX XXXX XXXX XXXX ( XXXX   ) and similar case law? 




Immediate Corrective Actions Required To resolve these discrepancies and restore the integrity of my credit file, I demand the following actions : Immediate Removal of Erroneous Information All incorrectly reported bankruptcies and late payments must be expunged.

Disclosure of Investigation Findings Provide a comprehensive written statement detailing the methodology and criteria applied during the reinvestigation process.

Written Confirmation of Corrections Issue a formal confirmation indicating the completion of necessary amendments to my credit report. 

Final Notice Before Regulatory Escalation Should you fail to rectify this matter within the legally mandated timeframe, I will be compelled to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and state regulatory authorities. Additionally, I reserve the right to pursue legal remedies under 15 U.S.C. 1681n and 1681o, seeking statutory damages for noncompliance. 

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Company response to consumer: Closed with non-monetary relief