Consumer complaint received 2025-03-19 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 second claim against Equifax for their handling of my dispute regarding XXXX. Despite previously resolving the dispute and removing the incorrect information from my report, Equifax has reinserted the information in the past few days. 

# Previous Dispute On XX/XX/year>, I filed a claim against XXXX to Equifax ( Claim # XXXX ). In late XXXX, Equifax responded and removed the disputed incorrect information from my report. However, this resolution was short-lived, as Equifax has since reinserted the information. 

# Additional Dispute In addition to the previous dispute, I had also submitted a dispute to Equifax directly, providing proof that XXXX failed to conduct an investigation and requesting that the reported information be corrected and updated to remove the negative information. I also reported that XXXX opened a new account without my consent, which is a central issue in the ongoing lawsuit against XXXX. 

# Ongoing Lawsuit As you are aware, XXXX is currently facing a class-action lawsuit for opening new credit accounts without customers ' permission, damaging their credit scores. This lawsuit is relevant to my dispute, as I am one of the affected consumers.

# Fraud Claim I have also opened a fraud claim ( attached ) regarding XXXX XXXX  actions. I never consented to having my original account closed and a new account opened, which hurt my credit score. As a real estate investor, I rely on my credit score to obtain mortgages and make business transactions. 
I have also filed a second fraud claim ( attached ) against XXXX for their improper handling of my payments. Specifically, I have experienced issues with XXXX 's " QuickPay '' pop-up payment processing system, which has resulted in multiple unauthorized transactions/payment methods being changed and errors. Despite my efforts to make timely payments, XXXX 's system has consistently failed to process my payments correctly, leading to additional fees and negative reporting on my credit report. I believe that XXXX 's actions constitute a violation of the Electronic Fund Transfer Act ( EFTA ) and the Fair Credit Billing Act ( FCBA ), and I request that the CFPB take immediate action to address these issues and hold XXXX accountable for their actions. 

# Request for Monetary Damages I request that the CFPB take immediate action to correct the inaccurate information on my credit report or delete the account entirely. I also request monetary damages for the harm caused by Equifax 's actions. Due to this issue, I have been unable to obtain new mortgages, which has resulted in significant financial losses. 

# Request for Disciplinary Action I request that the CFPB take disciplinary action against XXXX, XXXX, XXXX, and Equifax if this issue is not resolved. These companies have demonstrated a pattern of negligence and disregard for consumers ' rights, and it is essential that they be held accountable. 

# Conclusion In conclusion, I urge the CFPB to take immediate action to resolve this dispute and hold Equifax and XXXX accountable for their actions. I have attached all relevant documentation, including my previous dispute, the ongoing lawsuit, and my fraud claim. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief