Consumer complaint received 2025-02-28 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:
Subject : Formal Complaint Against [ EQUIFAX ] for Failing to Conduct a Proper Reinvestigation in Violation of Federal Law To Whom It May Concern, Account name : XXXX XXXX XXXX Account number : XXXX I am filing a formal complaint against [ Equifax ] for blatantly violating my rights under the Fair Credit Reporting Act ( FCRA ) by failing to conduct a proper reinvestigation of disputed information on my credit report. This is a direct breach of multiple federal statutes, including but not limited to : 1. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to Conduct a Proper Reinvestigation * The law mandates that credit bureaus must conduct a reasonable reinvestigation when a consumer disputes inaccurate information. However, [ EQUIFAX ] failed to properly investigate my dispute, disregarding its legal obligation.

2. 15 U.S.C. 1681e ( b ) Duty to Ensure Maximum Possible Accuracy * Credit reporting agencies are required to maintain accurate consumer credit information. By failing to correct the errors despite clear evidence, [ EQUIFAX ] continues to allow false and damaging data to remain on my credit file.

3. 15 U.S.C. 1681i ( a ) ( 4 ) Duty to Review and Consider All Relevant Information * This provision mandates that credit bureaus must consider all relevant evidence provided by consumers. My documentation was ignored, showing a reckless disregard for my rights and responsibilities under the FCRA.

4. 15 U.S.C. 1681s-2 ( b ) Duty of Furnishers to Investigate Disputes * The credit bureau has a legal duty to ensure that furnishers properly investigate disputed data. Instead, [ EQUIFAX ] blindly relied on unverified information, which is a clear violation of this statute.

5. CFPB v. Experian, Equifax, and TransUnion Precedent for Enforcement Actions * The CFPB has previously taken legal action against credit bureaus for failing to reinvestigate disputes adequately. The Bureau 's lawsuit against Experian, Equifax, and TransUnion demonstrated that such failures are serious violations of consumer rights, and I expect similar enforcement action to be taken in my case. 
The negligent handling of my dispute by [ EQUIFAX ] has caused significant harm, including financial distress, credit denials, and undue stress. This failure to comply with federal law is unacceptable, and I demand immediate corrective action. 
Requested Action : * A proper and thorough reinvestigation of my dispute, ensuring compliance with the FCRA. 
* Immediate deletion or correction of the inaccurate information. 
* A detailed written explanation of the investigation process and findings. 
* Compensation for any damages incurred due to this negligence. 
If this matter is not resolved promptly, I will escalate my complaint to the Federal Trade Commission ( FTC ), state attorneys general, and seek legal remedies. 
I expect a formal response within the legally mandated timeframe. Please confirm receipt of this complaint and provide an update on the next steps. 
Sincerely, [ XXXX XXXX XXXX

Company response to consumer: Closed with explanation