Consumer complaint received 2025-03-11 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: TX

Complaint narrative:
I am writing to file a formal complaint against Equifax for failing to properly investigate and address inaccuracies on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). Despite my formal request for an investigation into the following accounts, Equifax has failed to take the appropriate steps to verify the accuracy, ownership, and chain of authority of the debts listed, which is a clear violation of my rights under the FCRA.

As outlined in FCRA Section 1681i ( Duties of consumer reporting agencies ) and FCRA Section 1681e ( b ) ( Accuracy of reports ), Equifax is required to ensure the accuracy and completeness of the information it reports and to conduct thorough investigations into any disputes. However, Equifax has failed to conduct a reasonable investigation into the accounts listed below, and the inaccuracies persist on my credit file.

Additionally, I am aware that Equifax, along with XXXX, was the subject of a lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) in XX/XX/XXXX, for improper credit reporting investigations and failure to comply with the FCRA. This lawsuit highlights a systemic issue where consumers ' credit files are not properly investigated, leading to harmful consequences such as denials of housing, loans, and employment opportunities. Given the legal actions against both XXXX and Equifax for these very issues, I am requesting immediate correction and removal of the following accounts from my credit report. 

The six accounts listed below are incorrect and require immediate removal : XXXX XXXX XXXX - XXXX XXXX XXXX in the amount of {$300.00}, incorrectly reported as past due. 
Account Number : XXXX XXXX XXXX XXXX - XXXX XXXX in the amount of {$5500.00}, incorrectly reported as past due. 
Account Number : XXXX XXXX XXXX XXXX - The XXXX in the amount of {$4400.00}, incorrectly reported as past due. 
Account Number : XXXX XXXX XXXX XXXX XXXX XXXX in the amount of XXXX, incorrectly reported as past due. 
Account Number : Not Listed According to FCRA Section 1681i, Equifax is required to conduct a reasonable investigation into the accuracy of the above-listed accounts. Furthermore, under FCRA Section 1681e ( b ), Equifax has an ongoing duty to ensure the accuracy of the information reported on my credit file. The failure to accurately report these accounts has caused significant harm to my creditworthiness, including the denial of housing, employment opportunities, and financial products. This is in direct violation of my consumer rights under the FCRA. 

In light of the recent legal action taken by the CFPB against Equifax for similar violations, along with the recent lawsuits of XXXX in XXXX and XXXX in XXXX, I urge you to take immediate action to correct these errors. The CFPBs lawsuit, filed in XX/XX/XXXX, clearly demonstrates that Equifax, like XXXX, has failed to conduct the necessary investigations into consumer disputes, resulting in systemic harm to consumers ' credit profiles. 

Given these circumstances, I respectfully request the immediate removal of the six above-listed accounts from my credit report in order to comply with the FCRA and prevent further damage to my credit standing.

I kindly request that the Consumer Financial Protection Bureau ( CFPB ) take the necessary steps to ensure Equifax adheres to the law and promptly addresses these inaccuracies. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation