Consumer complaint received 2025-06-09 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Re : Formal Complaint Regarding Repeated Violations of the Fair Credit Reporting Act ( FCRA ) Against Equifax Information Services LLC Multiple Complaint IDs Listed Below To Whom It May Concern : I am writing to formally express my ongoing and serious concerns regarding the repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) by Equifax Information Services LLC, despite numerous attempts to resolve these issues directly with the agency through multiple disputes and complaints. 

Since XX/XX/XXXX, I have submitted multiple complaints through the XXXX XXXX XXXX ( XXXX ), providing ample time for investigation in accordance with the law. However, the investigation outcomes reported by Equifax are demonstrably inadequate. When I compared my most recent credit reports with those from previous months, I found either no corrections were made or the modifications that were made remain incorrect. This pattern has persisted for months, demonstrating a blatant disregard for the FCRA and related regulations. 

Specifically, I believe Equifax Information Services LLC has violated the following sections of the United States Code ( 15 USC ) : - 15 USC 1681i ( a ) ( 1 ) ( A ) Requirement for reasonable reinvestigation of disputed information - 15 USC 1681i ( c ) Notice of dispute to furnishers - 15 USC 1681i ( 5 ) Duty to correct or delete inaccurate or unverifiable information - 15 USC 1681e ( b ) Duty to ensure maximum possible accuracy of information in consumer reports- 15 USC 1681s-2 ( a ) ( 1 ) ( B ) Duties of furnishers to investigate and report accurate information - 15 USC 1681s-2 Responsibility for correcting and updating information Below is the complete list of all complaints I have submitted to Equifax through the CFPB portal, including Complaint IDs, dates submitted, and the product/issue raised in each complaint. This evidences my repeated attempts to resolve the matter : Complaint ID | Submitted Date | Product / Issue -- -- -- -- -- -- -- -- -- - | -- -- -- -- -- -- -- | -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Despite these documented efforts and the legally mandated investigation periods, Equifax has failed to comply with federal law and has repeatedly provided inaccurate or unverifiable information on my credit reports. This failure not only harms my creditworthiness but also violates my rights as a consumer under the FCRA. 

I respectfully request that the Consumer Financial Protection Bureau conduct a thorough investigation into Equifax 's handling of my disputes, enforcement of FCRA provisions, and the accuracy of the information reported. Additionally, I request confirmation that the CFPB will hold Equifax accountable for these violations and require corrective action to ensure full compliance with federal law. 

Please do not hesitate to contact me if any additional information is needed. I appreciate your prompt attention to this serious matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation