Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing this complaint to report Equifaxs failure to investigate and provide verification for disputed late payments reported on my credit report and failing to comply with the Fair Credit Reporting Act ( FCRA ) requirements. Despite multiple written disputes regarding inaccuracies on my credit report, Equifax has refused to conduct proper investigations or correct the errors as mandated by law. I submitted a method of verification regarding these inaccuracies on XX/XX/XXXX. As of XX/XX/XXXX, Equifax has failed to respond, re-investigate, or provide verification of the information they received from the original sources, which is a clear violation of federal laws under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ). This failure has caused harm to my credit score, impacting my ability to secure housing for me and my children. The recent CFPB enforcement action ( CFPB Orders Equifax to Pay {$15.00} XXXX for Improper Investigations of Credit Reporting Errors, XX/XX/XXXX demonstrates a pattern of noncompliance by Equifax. My experience aligns with the improper practices highlighted in this lawsuit, including a lack of diligence in investigating consumer disputes. 
This extended delay in addressing my disputes is also a violation of the FCRA, which mandates timely responses and investigations. 

XXXX. XXXX XXXX account ending in XXXX : Late payment reported for XX/XX/XXXX. 
XXXX. XXXX XXXX account ending in XXXX : Late payment reported for XX/XX/XXXX. 
Applicable Laws Violated : 1. 15 U.S.C. 1681a : o The term consumer report includes information that impacts creditworthiness. Reporting unverifiable or inaccurate late payments violates this provision by allowing inaccurate consumer data to persist in credit reports. 
2. 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information ) : o Furnishers are required to provide accurate information and to investigate disputes under this section. Equifax, as a CRA, has failed to hold the furnishers accountable by not conducting a thorough investigation or removing unverifiable information.

3. 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) ( Definition of Consumer Reporting Agency ) : o As a consumer reporting agency, Equifax is responsible for ensuring accuracy and completeness in the data provided to users of consumer reports. Reporting unverified information constitutes a breach of their obligations under this provision. 
4. 15 U.S.C. 6802 ( Obligations of Financial Institutions to Protect Privacy ) : o Financial institutions and their agents must ensure privacy and accuracy of consumer data. The failure to disclose the original source of information or verify its validity undermines my privacy and consumer rights. 
Equifax responded to my disputes saying that they received additional information from the original source but has yet to respond to my disputes asking for proof. They claim the late payments are accurate but according to Equifax account history from my credit report it says NO DATA AVAILABLE

Company response to consumer: Closed with explanation