Consumer complaint received 2025-05-01 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: IL

Complaint narrative:
Type of Issue Their investigation did not fix an er Arbitration Statement Credit Report Dispute Claimant : XXXX XXXX XXXX Respondent : [ Insert name e.g., XXXX XXXX XXXX XXXX XXXX ] Case ID : [ If provided by arbitration service ] CFPB Complaint ID : XXXX -- - Statement of Claim I, XXXX XXXX XXXX XXXX am filing this arbitration claim against XXXX XXXX/Equifax/XXXX  ] for XXXXiolations of the Fair Credit Reporting Act ( FCRA ), specifically for : 1. Failure to properly investigate a dispute under 15 U.S.C. 1681i after I submitted a valid dispute on [ insert date ]. 2. Failure to provide a Method of Verification ( MOV ) when requested, as required by law. 3. Continuing to report inaccurate information after being notified of errors. 4. Failure to remove or correct unverifiable data within 30 days of my dispute. I submitted disputes directly to the credit bureau ( s ), and also filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) under Complaint ID XXXX. Despite this, the credit bureau ( s ) continued to report inaccurate, outdated, or unverifiable items, causing harm to my credit and personal well-being. -- - Damages Sought Due to the above violations, I am seeking : {$1000.00} per violation as allowed under FCRA Actual damages for denied credit opportunities and emotional XXXX Injunctive relief, including the permanent removal of the inaccurate item ( s ) Reimbursement of arbitration fees and costs -- - Attached Evidence Copies of my disputes ( dated and mailed ) CFPB complaint and responses Credit reports before and after dispute Proof of errors and lack of verification Affidavit/Statement of harm and stress -- - Conclusion The credit bureau failed its legal obligations under FCRA. I am requesting that the arbitrator rule in my favor and award the listed damages and relief. Respectfully, XXXX XXXX XXXX [ Your full contact information ] -- - Would you like me to format this as a Word or PDF file for you to submit? Or help tailor this for XXXX, Equifax, or XXXX  specifically? 


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Inactive modal Inactive modalEdit this section What would be a fair resolution to this issue?

Follow FCRA 611 remove all unverified undocumented outdated information Step 4 Inactive modalEdit this section What company is this complaint abou digits ) Date of birth XX/XX/year> Name as it appears on credit report XXXX XXXX Other information about this company Additional Credit Reporting Company XXXX credit reporting agency Social Security number ( last four digits ) Date of birth XX/XX/year> Name as it appears on credit report XXXX XXXX Other information about this company Complaint also submitted to this company? 
Yes Attempted to fix with this company? 
Yes Did you request information from the company? 
Yes What information did you request? 
Written proof of an investigation Did the company provide this information? 
No Additional Credit Reporting Company XXXX  credit reporting XXXXocial Security number ( last four digits ) Date of birth XX/XX/year> Name as it appears on credit report XXXX XXXX Other information about this company Complaint also submitted to this company? 
Yes Attempted to fix with this company? 
Yes Did you request information from the company? 
Yes What information did you request? 
Written proof of investigation Did the company provide this information? 
No Step 5 Inactive modalEdit this section What people are involved? 

Your contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX United States Your preferred language XXXX Your demographic information Age XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, or XXXX XXXX No Race XXXX or XXXX XXXX Household size including total number of adults and children XXXX Combined annual household income < {$15000.00} I authorize and direct ( 1 ) the consumer reporting agency identified in my complaint to share determinations of and actions taken by the company for the purpose of responding to my complaint, and ( 2 ) the CFPB to share this information with certain

Company response to consumer: Closed with explanation