Consumer complaint received 2025-01-21 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: TN

Complaint narrative:
Subject : Follow-Up Complaint Equifax Refusal to Remove Verified Inaccurate Accounts Dear Consumer Financial Protection Bureau , I am filing this follow-up complaint against Equifax for their refusal to remove several inaccurate accounts from my credit report, despite multiple disputes and documented proof of inaccuracies. Both XXXX and XXXX have already deleted these accounts from my credit report after conducting their investigations. However, Equifax continues to verify these accounts as accurate without proper validation, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Disputed Accounts 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 XXXX XXXX XXXX Equifaxs Responses to Previous CFPB Complaints Below are the complaint IDs related to this matter and Equifaxs inadequate responses : 1. CFPB Complaint ID : XXXX XXXXXXXX XXXX : Equifax updated minor details but refused to remove the charge-off, despite inconsistencies in reporting and removal by XXXX and XXXX. 
XXXX. CFPB Complaint ID : XXXX XXXX  : Equifax verified the account XXXX without addressing the documented discrepancies. 
XXXX. CFPB Complaint ID : XXXX XXXX XXXX XXXX  : Equifax updated some fields but refused to remove the charge-off, even though the account was deleted by XXXX and XXXX. 
XXXX. CFPB Complaint ID : XXXXXXXX XXXX  : Equifax claimed this account XXXX not currently reporting, yet it remains visible in my credit file. 
XXXX. CFPB Complaint ID : XXXX XXXXXXXX XXXX  : Equifax verified XXXX charge-off despite clear evidence of inaccuracies and proof of removal by the other credit bureaus. 
XXXX. CFPB Complaint ID : XXXX Multiple Accounts ( XXXX, XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Equifax claimed to have XXXX account details but still refused to delete the inaccurate accounts, despite removal by XXXX and XXXX. 

FCRA Violations by Equifax 1. FCRA 1681e ( b ) Failure to Ensure Accuracy : Equifax failed to ensure maximum possible accuracy in reporting these accounts, which contain inconsistent and unverifiable information.

2. FCRA 1681i ( a ) Failure to Conduct Reasonable Reinvestigations : Equifax has repeatedly failed to conduct thorough reinvestigations, ignoring clear evidence of inaccuracies and proof of deletions by other credit bureaus.

3. FCRA 1681s-2 ( b ) Furnishers Responsibility to Correct Errors : Equifax has failed to ensure furnishers adequately invest
igated and corrected inaccurate information during the dispute process.

4. Failure to Provide Documentation for Verification : Equifax has not provided any verifiable documentation to support its claims that these accounts are accurate.

Requested Actions 1. Immediate Removal of Disputed Accounts : Remove the accounts listed above from my Equifax credit report, as they have already been deleted by XXXX and XXXX. 
2. FCRA Compliance Review : Review Equifaxs handling of disputes and ensure compliance with FCRA 1681e ( b ) and 1681i ( a ).

3. Provide Verification Documentation : If Equifax continues to claim these accounts are accurate, require them to provide verifiable documentation, such as signed agreements or payment records.

4. Compensation for Damages : Equifaxs ongoing failure to correct these inaccuracies has caused significant harm to my creditworthiness, including higher interest rates, denied credit opportunities, and emotional distress. I request compensation for damages as allowed under the FCRA.

Supporting Documentation 1. Dispute results from XXXX and XXXX, confirming deletion of the disputed accounts. 
XXXX. Copies of Equifax dispute responses for all the complaint IDs listed above. 
XXXX. Proof of documented inaccuracies, including credit report excerpts and other correspondence. 

XXXX repeated failure to resolve these issues, despite clear evidence of inaccuracies and deletions by other bureaus, has caused undue hardship and frustration. I request that the CFPB take swift action to ensure Equifax complies with its obligations under the FCRA and resolves this matter promptly. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief