Consumer complaint received 2025-07-02 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: VA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX RE : Formal Complaint Against Equifax for False Statement and Continued Reporting in Violation of FCRA To Whom It May Concern, This is a formal complaint against Equifax Information Services LLC for violations of the Fair Credit Reporting Act ( FCRA ), stemming from a false statement provided in their response to a previously filed CFPB complaint. Equifax asserted that they were no longer reporting a particular account on my credit report. However, as of the most recent version of my Equifax report, the account remains actively reported.

This situation presents not only a failure to correct or delete inaccurate information but also a potential act of willful misrepresentation to a federal agency. Below are the specific details and corresponding legal violations : Account in Question : Creditor Name : XXXX XXXX XXXX Account Number ( Last 4 Digits ) : XXXX Date of Equifax Response : XX/XX/year> CFPB Complaint Confirmation Number : XXXX Violations of FCRA : 15 U.S. Code 1681i ( a ) Failure to Conduct a Reasonable Reinvestigation Despite Equifaxs statement to the CFPB that the account was no longer reporting, it is still present on my credit file, indicating that no proper reinvestigation or correction was completed.

15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ) Reporting Information After Knowledge of Inaccuracy Equifax is continuing to report the account after asserting its removal, which reflects knowledge of inaccuracy and a failure to correct knowingly false information.

15 U.S. Code 1681e ( b ) Failure to Maintain Maximum Possible Accuracy The conflicting statements versus what is still reporting on my file show that Equifax is not ensuring maximum possible accuracy in its credit data handling.

15 U.S. Code 1681g Failure to Provide Complete Disclosure My consumer report does not reflect the changes Equifax claimed were made, denying me full and accurate disclosure.

Supporting Evidence : Copy of Equifax 's CFPB response stating the account is no longer reporting.

Copy of my most recent Equifax credit report showing the account is still being reported.

Requested Resolution : I respectfully request that the CFPB investigate this matter thoroughly and compel Equifax to : Immediately and permanently delete the disputed account from my file.

Provide documentation confirming the removal.

Be held accountable for the false statements made in their regulatory response.

Given the willful nature of this misrepresentation and failure to adhere to FCRA compliance, I also reserve my right to seek relief through arbitration or civil litigation, including statutory damages as provided under 15 U.S. Code 1681n.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX Enclosures : CFPB Complaint Response ( Equifax Statement ) Equifax Credit Report Showing Account Still Reporting

Company response to consumer: Closed with explanation