Consumer complaint received 2025-02-20 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: FL

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Phone : XXXX Subject : Formal Complaint Failure to Investigate Disputed XXXX Account To Whom It May Concern, I am writing to formally express my dissatisfaction with Equifax 's handling of my dispute regarding an incorrect XXXX account that does not belong to me. Despite my complaint submitted through the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/year> ( Case No. XXXX ), Equifax failed to investigate or provide any resolution concerning this account. 

Equifax 's response only mentioned the deletion of unrelated inquiries from my credit report but did not address the primary dispute regarding the fraudulent XXXX charge-off. This failure to properly investigate and verify the accuracy of the information is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Under the FCRA, I have the right to dispute inaccurate or unverifiable information in my credit report, and Equifax is legally required to : Conduct a Reasonable Reinvestigation ( 15 U.S.C. 1681i ( a ) ) Equifax must conduct a reasonable reinvestigation of disputed items. Failing to address my dispute regarding the XXXX account suggests that Equifax has not met this legal standard. 
Provide Verification ( 15 U.S.C. 1681i ( a ) ( 2 ) & 1681s-2 ( a ) ( 1 ) ) If a credit bureau continues to report disputed information, it must obtain verification from the original creditor and provide evidence of its accuracy. Since Equifax has not provided any documentation proving that the XXXX account is valid, it must be removed from my report. 
Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) Equifax has an obligation to report only accurate and verifiable information. Reporting a fraudulent account without verification violates this provision.

Remove Unverified Accounts ( 15 U.S.C. 1681i ( a ) ( 5 ) ) If Equifax can not verify the XXXX account within the legally required timeframe, it must delete the information from my credit file. 
Additionally, Equifax 's failure to properly investigate this dispute may also constitute violations under the Fair Debt Collection Practices Act ( FDCPA ) and potential negligence in adhering to Consumer Financial Protection Bureau ( CFPB ) regulations regarding dispute resolution.

I am demanding the following immediate corrective actions : A full and complete reinvestigation of the disputed XXXX charge-off account. 
The removal of the XXXX account from my Equifax credit report if it can not be verified with sufficient documentation. 
A written response detailing the actions taken to resolve this matter. 
If Equifax fails to comply with my request, I am prepared to escalate this complaint by filing a dispute with the Federal Trade Commission ( FTC ), CFPB, and state attorney generals office and, if necessary, seek legal action for Equifaxs noncompliance with federal law. 

I expect a response within 30 days from the date of this letter, as required under the FCRA. Please contact me in writing at the address listed above.

Company response to consumer: Closed with non-monetary relief