Consumer complaint received 2025-02-05 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: GA

Complaint narrative:
After completing my annual review of my credit reports in XX/XX/XXXX, I discovered multiple accounts reporting incomplete and inaccurate information. The discrepancies were also inconsistent across the three credit bureaus and had changed from previous years, raising concerns about the accuracy of Equifax 's reporting. 

On XX/XX/XXXX, I sent a dispute letter to Equifax and the other credit bureaus requesting an investigation into the completeness and accuracy of three collections : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I received the dispute results by mail around the end of XXXX : The XXXX XXXX collection was deleted from my report. The XXXX XXXX XXXX and XXXX XXXXXXXX collection were marked as " verified ''. However, Equifax provided no details on what was verified or what updates were made. Also, the dispute results were not made available in the Dispute Center portal, as another previous dispute had been, just a month prior. Which makes me question why this info is not readily available, if it is considered verified. 

Following my dispute with XXXX in XX/XX/XXXX, both the XXXX XXXXXXXX XXXX XXXX XXXX collections were deleted from my XXXX report. This further confirms that these accounts were either inaccurate, unverifiable, or outdated, contradicting XXXX claim that they were verified. XXXX failure to remove these accounts despite the same dispute being processed correctly by another credit bureau raises serious concerns about its investigative process and compliance with FCRA regulations. 

Regarding the XXXX XXXX XXXX, the Date Opened, Date Last Active, Date of Delinquency, and Last Payment Date are inconsistent across XXXX, XXXX, and Equifax and differ from previous credit reports. The last payment date occurred in early XXXX, making this debt over seven years old and eligible for removal under the Fair Credit Reporting Act ( FCRA ). Equifax failed to properly investigate and remove this outdated account. 

Regarding The Bureaus Collection, I believe the balance amount is inaccurate, the Date of Delinquency, and Last Payment Date also differ between XXXX, XXXX, and Equifax, as well as previous years ' reports. Given the age and inaccuracy of this account, it should have already been removed from my credit report. 

Equifax is in direct violation of the Fair Credit Reporting Act ( FCRA ) under the following statutes : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy in consumer reports, 15 U.S.C. 1681i ( 5 ) ( A ) ( i ) & ( ii ) Failure to correct or delete inaccurate, incomplete, or unverifiable information, and 15 U.S.C. 1681s-2 ( a ) & ( b ) Failure to properly investigate and correct disputed information. 

Additionally, the Consumer Financial Protection Bureau ( CFPB ) recently sued Equifax for similar violations, alleging that it failed to conduct proper investigations, wrongfully verified inaccurate accounts, and did not update reports to ensure accuracy. 

I am XXXX of the harmed consumers impacted by these practices. Despite submitting a clear dispute with supporting evidence, Equifax improperly verified inaccurate information and failed to conduct a meaningful investigation. Equifaxs improper verification of these inaccurate accounts has harmed my creditworthiness and negatively impacted my ability to obtain a home loan.

Company response to consumer: Closed with non-monetary relief