Consumer complaint received 2025-04-23 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:
I personally submitted a COMPLAINT against EQUIFAX on XX/XX/XXXX. Please see below - YOUR COMPLAINT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Dear CFPB, I am writing to formally dispute inaccurate information currently being reported by EQUIFAX on my credit report. I have identified multiple inaccuracies reported by Equifax, and I have disputed these inaccuracies with no proper investigation or resolution from Equifax and demand Equifax to remove ALL incorrect information/inaccuracies for its failure to conduct proper investigations of consumer disputes. I have disputed the missed payments and late payments on this account and demand for these delinquencies to be removed from my credit report. 
XXXX Installment account with account # XXXX opened on XX/XX/XXXX reporting delinquent inaccuracies on my credit report since XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I then received this response from Equifax through CFPB advising that the review has been completed regarding my complaint about my XXXX Installment account with account # XXXX to which they responded below as you can also view in my prior complaint. 

Trade : XXXX XXXX CREDIT BUREAU DISPUTES THIS ACCOUNT IS CURRENTLY REPORTING PAID AS AGREED, WITH NO LATE PAYMENTS. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com. 


-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- If Equifax has confirmed that this account is reporting as paid as agreed with no late payments, why is my credit report not reflect this data? Equifax has also failed to conduct and provide accurate data on other delinquencies in my credit report. I demand for all other delinquencies to be removed or marked as Paid As Agreed due to the non-compliance of accuracy by Equifax. 

Under the Fair Credit Reporting Act ( FCRA ), I request that Equifax promptly investigate and resolve this matter. I demand for any delinquencies to be UPDATED as PAID as agreed IMMEDIATELY due to the companys failure to conduct a thorough investigation regarding my disputes as fully outlined in the CFPBs lawsuit against Equifax. As confirmed by the outcome of my last complaint, Equifax has confirmed that the XXXX XXXX that I submitted a complaint about is XXXX reporting paid as agreed with no late payments but my credit reports do not reflect this information. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Based on my credit report, Equifax has historically added a late payment on my XXXX account # XXXX XXXX that was not reflecting on my XXXX credit reports but is now reflecting on my current credit report. This is a VIOLATION of my rights and accuracies of my credit report. Please update any delinquencies as PAID TIME/PAID AS AGREED as reported in my prior credit report statements! 

The inaccuracies conducted by Equifax on my credit report has deemed ongoing personal issues and this needs to be resolved as soon as possible. If Equifax has indicated that my XXXX account is paid as agreed but is continuously marking this data as late payments, Equifax has not completed their due diligence on my whole credit report and I demand for ALL inaccuracies and delinquencies to be REMOVED or updated as PAID from my WHOLE credit report before taking legal action. 

I appreciate your prompt attention to this matter and expect to hear back from you within the 30-day period required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief