Consumer complaint received 2025-01-19 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: OH

Complaint narrative:
I am submitting this complaint because I believe Equifax failed to properly investigate disputes I raised regarding inaccuracies on my credit report. Specifically, I disputed two charge-offs reported by XXXX XXXX XXXX  XXXX and I do not believe these disputes were handled in compliance with the Fair Credit Reporting Act ( FCRA ). 

I am aware that the CFPB recently filed a lawsuit against XXXX for allegedly failing to investigate disputes properly and not ensuring the accuracy of reported information. My experience seems to align with these allegations. When I submitted my dispute, XXXX quickly responded that the reporting was valid, but I am concerned that they did not conduct a thorough investigation. XXXX did not provide sufficient evidence to validate the accuracy of the charge-offs and failed to demonstrate compliance with its obligation to investigate disputes adequately. 

This lack of compliance with the FCRA continues to harm my credit report and financial well-being. The unresolved charge-offs remain on my report, even though I raised valid concerns regarding their accuracy and requested verification. 

I request that the CFPB investigate I am submitting this complaint because I believe XXXX failed to properly investigate disputes I raised regarding inaccuracies on my credit report. Specifically, I disputed two charge-offs reported by XXXX XXXX XXXX XXXX and I do not believe these disputes were handled in compliance with the Fair Credit Reporting Act ( FCRA ). 

I am aware that the CFPB recently filed a lawsuit against XXXX for allegedly failing to investigate disputes properly and not ensuring the accuracy of reported information. My experience seems to align with these allegations. When I submitted my dispute, XXXX quickly responded that the reporting was valid, but I am concerned that they did not conduct a thorough investigation. XXXX did not provide sufficient evidence to validate the accuracy of the charge-offs and failed to demonstrate compliance with its obligation to investigate disputes adequately. 

This lack of compliance with the FCRA continues to harm my credit report and financial well-being. The unresolved charge-offs remain on my report, even though I raised valid concerns regarding their accuracy and requested verification. 

I request that the CFPB investigate Equifax to ensure it is following the law and conducting proper investigations of consumer disputes. I also request that Equifax be required to provide proper documentation to validate the reported charge-offs or remove them if they can not be substantiated. 

Thank you for your attention to this matter. To ensure it is following the law and conducting proper investigations of consumer disputes. I also request that XXXX be required to provide proper documentation to validate the reported charge-offs or remove them if they can not be substantiated. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief