Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
b'I am filing this formal complaint against Equifax Information Services LLC for their failure to respond to two written dispute letters and for refusing to conduct a reasonable investigation into inaccurate and incomplete information on my credit report, in violation of the Fair Credit Reporting Act (FCRA). Below, I detail the issues with XXXX  accounts, actions taken, and requested resolution.\nDetails of the Complaint\nOn XXXX XXXX XXXX I mailed a formal dispute letter to Equifax via XXXX  Certified Mail (Tracking #XXXX XXXX XXXX XXXX XXXX XXXX). The letter disputed inaccurate and incomplete information reported on my credit report for the following accounts:\nAccount 1: XXXX XXXX XXXX XXXX\nThe dispute outlined the following discrepancies:\nThe Date of Last Payment is not provided.\nThe XXXX-year payment history is entirely absent, rendering the accounts payment history unverifiable and incomplete.\nThe account shows a Charged off as bad debt status with a comment of Profit and loss writeoff, which suggests the debt may have been resolved but lacks clarification, potentially resulting in misleading reporting.\nI have been informed that this account was previously deleted from my credit report but has been reinserted without proper notification or documentation verifying its accuracy, in violation of FCRA 611(a)(5)(B).\nAccount XXXX: XXXX XXXX\nThe dispute outlined the following discrepancies:\nThe account status is listed as Indeterminate, which is vague and fails to provide a clear and verifiable description of the accounts current state (e.g., paid, closed, or resolved).\nThe account shows a $0.00 balance yet is marked as Charge-off with a Payment Status of Charge-off, which is inconsistent, as a $0.00 balance suggests the debt has been resolved, while Charge-off implies an unpaid loss.\nThe Date Last Active is reported as XXXX, which conflicts with the Date of Last Payment of XXXX, as there appears to have been no activity on the account since XXXX.\nThe two-year payment history shows Charge-Off (CO) for every month from XXXX XXXX to XXXX XXXX, which may be inaccurate or unverifiable given the $0.00 balance and the last payment date of XXXX, suggesting that this continued reporting does not reflect the accounts resolved status or lack of recent activity.\nTo support my dispute, I included all required identification documents, as stipulated by the FCRA:\nA copy of my government-issued photo ID\nA copy of my Social Security card\nA recent utility bill showing my current address\nDespite my full compliance with FCRA guidelines, Equifax failed to respond to my dispute or provide written results of any investigation within the required timeframe.\nOn XXXX XXXX XXXX, I mailed a second dispute letter to Equifax, reiterating the same concerns for both accounts and including the same identification documents. Once again, Equifax failed to respond or provide any resolution.\nViolations of the FCRA\nEquifaxs actions, or lack thereof, constitute clear violations of my consumer rights under the FCRA, specifically:\nFailure to conduct a reasonable investigation of the disputed information, as required by FCRA XXXX.\nFailure to notify me of the results of the reinvestigation within XXXX  days, as required by FCRA XXXX.\nFailure to notify me of the reinsertion of previously deleted information for the XXXX XXXX XXXX  account, as required by FCRA XXXX.\nThese failures have caused undue stress and potential damage to my creditworthiness, impacting my financial opportunities.'

Company response to consumer: Closed with non-monetary relief