Consumer complaint received 2025-06-30 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: TX

Complaint narrative:
I am writing to formally request the removal of inaccurate information from my credit report regarding an auto loan account with XXXX XXXX  ( Account Ending XXXX ). This request is based on XXXX XXXX  failure to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) to respond to my dispute and verify the accuracy of the reported information. As a result, the continued reporting of this unverifiable and inaccurate data by your agency constitutes a violation of the FCRA. 

Details of the Account in Dispute Creditor Name : XXXX XXXX  Account Type : Auto Loan Account Number : XXXX Status on Credit Report : Paid, Closed Issue : 11 reported late payments ( including multiple 30-day delinquencies ) Background of the Dispute Dispute Sent to XXXX XXXX : On XX/XX/year>, I sent a formal dispute letter to XXXX XXXX  via Certified Mail ( Tracking Number : XXXX ), requesting a full reinvestigation of the 11 late payments reported on my account. 
XXXX XXXX  Receipt of Dispute : XXXX XXXX  received my dispute on XX/XX/year>, as evidenced by the return receipt. 
XXXX XXXX  Failure to Respond : XXXX XXXX  failed to respond to my dispute within the legally mandated 30-day timeframe under the FCRA. 
No verification or supporting documentation was provided to substantiate the reported late payments. 
CRAs Continued Reporting of Inaccurate Data : Despite XXXX XXXX  failure to verify the disputed information, your agency continues to report the 11 late payments on my credit file. This failure to ensure the maximum possible accuracy of the reported information violates your obligations under the FCRA. 
Violations of Federal Law XXXX XXXX  Violations of the FCRA 15 U.S.C. 1681s-2 ( b ) : XXXX XXXX failed to conduct a reasonable investigation of my dispute and did not provide verification or documentation to support the reported late payments. 
Credit Reporting Agencies Violations of the FCRA 15 U.S.C. 1681e ( b ) - Duty to Ensure Accuracy : Your agency is required to follow reasonable procedures to ensure the maximum possible accuracy of the information you report. The continued reporting of inaccurate and unverifiable late payments demonstrates non-compliance with this obligation. 
15 U.S.C. 1681i ( a ) - Duty to Reinvestigate : Upon notification of my dispute, your agency is required to conduct a reasonable reinvestigation. If the information can not be verified, it must be corrected or deleted. 
Request for Immediate Action Given XXXX XXXX  failure to verify the disputed information and your agencys obligation to ensure the accuracy of the data you report, I am requesting the following actions : Immediate Removal of the Account : Delete the XXXX XXXX  account ending in XXXX from my credit report. 
Correction of Associated Information : Remove all reported late payments associated with this account from my credit file. 
Written Confirmation : Provide written confirmation that the account has been removed or corrected. 
Supporting Documentation I have attached the following documents to support my complaint : Dispute Letter to XXXX XXXX  ( dated XX/XX/year> ) : Includes certified mail receipt and tracking information ( Tracking Number : XXXX ). 
Return Receipt : Proof that XXXX XXXX  received the dispute on XX/XX/year>. 
Credit Report ( Experian, dated XX/XX/year> ) : Highlighting the inaccurate account and reported late payments. 
Failure to Comply If this matter is not resolved promptly, I will take the following actions : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) to investigate your agencys failure to comply with the FCRA. 
File complaints with the Federal Trade Commission ( FTC ) and the Texas Attorney General. 
Pursue legal action to hold your agency accountable for violations of the FCRA, including seeking statutory, punitive, and actual damages. 
Conclusion XXXX XXXX  has failed to meet its obligations under the FCRA to verify the accuracy of the information it furnished. As a credit reporting agency, you are required to ensure the accuracy of the information you report and to delete or correct unverifiable data. I urge you to take immediate action to remove this inaccurate account and all associated late payments from my credit report. 

Thank you for your prompt attention to this matter. Please provide me with written confirmation of the actions you take in response to this request.

Company response to consumer: Closed with explanation