Consumer complaint received 2025-01-18 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: FL

Complaint narrative:
XXXX XXXX [ Your Contact Information ] XX/XX/2025 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX RE : Complaint Against Equifax for Procedural Violations and Mishandling of Dispute XXXX XXXX XXXX  Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against Equifax Information Services LLC for multiple violations of the Fair Credit Reporting Act ( FCRA ) in handling my recent dispute regarding a XXXX XXXX XXXX Equifax has demonstrated significant procedural failures and a lack of compliance with federal law, causing harm to my creditworthiness. 

Failure to Consider Consumer-Provided Information Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to review and consider all relevant information provided by the consumer when conducting a reinvestigation into disputed information. Despite my submission of relevant details to support my dispute, Equifax failed to demonstrate that they reviewed or considered this information as part of their reinvestigation. This oversight constitutes a clear violation of their obligations under 15 U.S.C. 1681i ( a ) ( 4 ) and undermines the fairness and accuracy of the reinvestigation process. 
5. Failure to Properly Address Inaccurate or Unverifiable Information If, during a reinvestigation, a consumer reporting agency finds that disputed information is inaccurate, incomplete, or can not be verified, the FCRA mandates that the agency must promptly take corrective action. This includes either deleting the inaccurate information or modifying it to reflect accurate and complete data. 

Equifax has failed to comply with these requirements, as the inaccuracies in my XXXX XXXX accountincluding irregular payment history ( 30, 60, 30, 30 days late ) and other discrepanciesremain unresolved. Their failure to correct or remove unverifiable information demonstrates a significant breach of their legal responsibilities under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Violations by Equifax 1. Failure to Notify Me in Writing That Information Was in Dispute Equifax has a legal obligation under 15 U.S.C. 1681i ( a ) ( 6 ) ( A ) to notify consumers in writing when disputed information is being investigated and provide the results of the investigation. Despite filing my dispute on XX/XX/2025, I did not receive any written notification or confirmation from Equifax, in violation of this requirement. 
This failure deprived me of the ability to monitor the dispute process and protect my rights, demonstrating a significant procedural violation. 
2. Insufficient Investigation of Dispute Equifax closed my dispute within three days of submission, far too brief a period to conduct the reasonable investigation required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).  Furthermore, the investigation failed to address blatant inaccuracies, including : The irregular and misleading late payment reporting ( 30, 60, 30, 30 days late ), which deviates from standard reporting practices and misrepresents my payment history. 
Other account details, such as payment obligations and account status, which remain uncorrected. 
This lack of diligence and thoroughness violates Equifaxs obligations under the FCRA to ensure the accuracy of the information they report. 
3. Failure to Correct or Delete Inaccurate Information Under 15 U.S.C. 1681i ( a ) ( 5 ), Equifax is required to delete or modify disputed information if it can not verify its accuracy. Despite clear evidence of inaccuracies, Equifax failed to correct the irregular late payment reporting or take any corrective action to ensure the information is accurate. 

The Harm Caused by Equifaxs Failures Equifaxs procedural failures have led to the continued reporting of inaccurate and misleading information, which has harmed my creditworthiness and financial standing. This mishandling undermines the fairness and integrity of the credit reporting system. 

Requested Resolution To address these violations, I am requesting the following : 1. Immediate Removal of the XXXX XXXX Account Given Equifaxs failure to notify me in writing, lack of a proper investigation, and continued reporting of inaccurate payment information, I request the immediate removal of the XXXX XXXX  account from my credit report. 
2. Confirmation of Corrective Action Equifax must provide written confirmation that the account has been removed or that the disputed information has been corrected. This confirmation must include details of their investigation and the actions taken to resolve the inaccuracies. 
3. Compliance with Notification Requirements Equifax must provide documentation proving they issued the legally required notification of dispute processing and results. If such documentation does not exist, it further validates their noncompliance with the FCRA.

Request for CFPB Intervention Equifax has failed to fulfill its obligations under the FCRA, and I am requesting the CFPBs assistance in holding them accountable for these violations. Equifaxs mishandling of this matter demonstrates procedural negligence and unfair practices that require thorough investigation and corrective action. 

This complaint provides Equifax with an opportunity to resolve this issue promptly and in compliance with federal law. However, if they fail to act, I am prepared to escalate this matter further through all available legal and administrative channels. 

Thank you for your attention to this matter. Please keep me informed of any updates in the investigation process. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation