Consumer complaint received 2024-12-09 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:
Subject : Formal Complaint Regarding Equifax and Credit Reporting Violations To Whom It May Concern, I am writing to file a formal complaint regarding multiple violations of federal law by Equifax in relation to my credit report. Below, I provide detailed information about these issues and request your assistance in resolving them.

Summary of Events 1. Review of Credit Report : Earlier this year, I reviewed my credit report and identified incomplete and inaccurate information.

2. Request for Investigation : On XX/XX/scrub>XXXX XXXX XXXX I sent a letter to Equifax requesting an investigation into the completeness and accuracy of the report. 
3. One XX/XX/XXXX, I sent off a letter to Equifax disputing its XXXX XXXX Compliance. This letter included clear evidence of the inaccurate information as well. 
4. Unresolved Inaccuracies : The results of Equifaxs investigation failed to resolve the inaccuracies, which constitutes a violation of their legal obligations under the Fair Credit Reporting Act ( FCRA ). 
Violations of Federal Law Equifaxs actions ( or lack thereof ) have resulted in the following violations of the FCRA : 1. Failure to Assure Accuracy ( 15 U.S.C. 1681e ( b ) ) : * Equifax did not follow reasonable procedures to assure maximum possible accuracy of the information on my credit report.

2. Failure to Provide a Description of Reinvestigation Procedures ( 15 U.S.C. 1681i ( 7 ) ) : * After requesting a description of their reinvestigation procedures, Equifax failed to provide the required information within 15 days of my request.

3. Failure to Address Unverifiable Information ( 15 U.S.C. 1681i ( 5 ) ) : * Equifax did not promptly delete or modify items of information found to be inaccurate, incomplete, or unverifiable, nor did they notify the furnishers of the information as required by law.

4. Violations by Furnishers of Information ( 15 U.S.C. 1681s-2 ) : * Equifax has allowed furnishers, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, to report inaccurate information. Specifically : * 15 U.S.C. 1681s-2 ( 1 ) ( A ) : These furnishers reported information with actual knowledge of errors.

* 15 U.S.C. 1681s-2 ( 1 ) ( B ) : These furnishers continued reporting inaccurate information after being notified by me and failing to confirm its accuracy.

Impact of Equifaxs Non-Compliance Equifaxs failures have caused significant distress and have hindered my ability to maintain an accurate credit profile. Their lack of adherence to federal law suggests systemic issues that could affect many other consumers. 


I have attached relevant documentation, including my correspondence with Equifax and supporting evidence of these violations, for your review. Please let me know if additional information is required. 



Thank you for your time and attention to this matter. I trust the CFPB will act to ensure Equifaxs compliance with federal regulations and protect consumer rights. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation