Consumer complaint received 2024-11-21 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: AZ

Complaint narrative:
I am writing to formally express my dissatisfaction and raise a complaint regarding Equifaxs refusal to remove adverse items from my credit report, despite providing the same documentation that was approved by XXXX, XXXX, XXXX, and XXXX. This matter is deeply concerning, especially since Equifax itself accepted and acted upon similar documentation in 2022. Background Information : 1. Adverse Items Removal by Other Agencies : XXXX, XXXX, XXXX, and XXXX reviewed and approved the documentation I provided to substantiate the inaccuracies in my credit report. These agencies subsequently removed the adverse items in compliance with the Fair Credit Reporting Act ( FCRA ). 2. Equifaxs 2022 Approval : In 2022, Equifax accepted the same documentation I provided and acted upon it to update my credit report. This creates a precedent for consistency in handling similar issues. 3. Current Issue with Equifax : Despite Equifaxs prior acknowledgment of the validity of my documentation and the actions of other major credit reporting agencies, Equifax is now denying the removal of the same adverse items. This inconsistency is detrimental to my credit standing and raises questions about Equifaxs adherence to the FCRA Complaint Details : Equifaxs current refusal to honor documentation that has been universally accepted by other agenciesand by Equifax itself in the pastconstitutes unfair and inconsistent treatment. This not only undermines my trust in Equifaxs processes but also negatively impacts my financial well-being. Under the FCRA, credit reporting agencies are required to ensure the accuracy and fairness of the information they report. Equifaxs actions appear to contradict these obligations, and I am requesting immediate rectification of this matter. Resolution Requested : 1. The immediate removal of the adverse items from my Equifax credit report, consistent with the decisions of XXXX, XXXX, XXXX, and XXXX. XXXX. A formal explanation of why Equifax is deviating from its prior practices and the industry standards upheld by other agencies. 3. Assurance that my rights under the FCRA are being fully respected. Survivor Protections Under the Law : As a survivor of XXXX XXXX, I am protected under the XXXX XXXX XXXX Credit Reporting Act and similar state laws. These laws explicitly allow for the removal of adverse credit items directly resulting from my XXXX  experience. 2. Removal by Other Agencies : XXXX, XXXX, XXXX, and XXXX reviewed and accepted the documentation I provided, which demonstrates that the adverse items were connected to my experience as a XXXX XXXX. All these agencies promptly removed the items in compliance with federal and state law. 3. Equifaxs Prior Approval : In 2022, Equifax itself reviewed and approved the same documentation, removing adverse items from my credit report. However, the refusal to act in this instance disregards both its prior actions and my legal rights.

Company response to consumer: Closed with explanation