Consumer complaint received 2025-07-21 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: GA

Complaint narrative:
I submitted a complaint through the CFPB on XX/XX/XXXX about Equifax. To sum up what happened, I initially disputed inaccuracies on my Equifax credit report for XXXX accounts : XXXX XXXX XXXX account XXXX  XXXX, XXXX XXXX XXXX account XXXX  XXXX and XXXX XXXX XXXX account XXXX  XXXX. I mailed my dispute letter to them via certified mail on XX/XX/XXXX. Equifax mailed me their response, stating that the accounts were verified and accurate. I responded to their letter and mailed them via certified mail on XX/XX/XXXX asking Equifax for their method of investigation during the investigation of the accounts to prove its accuracy. 

Equifax never sent any response to my request. Therefore on XX/XX/XXXX I submitted a complaint through the CFPB stating what happened and that Equifax failed to provide me their method of investigation which I have the right to request as a consumer. 

Under the Fair Credit Reporting Act ( FCRA ), a " reasonable investigation '' means a diligent and thorough inquiry by a consumer reporting agency or a furnisher of information to verify the accuracy of disputed information in a consumer 's credit report. This investigation should not be perfunctory, but rather involve a meaningful review of available information and evidence to determine if the disputed information is accurate. 

My reason for this complaint is Equifaxs response to my complaint to them through the CFPB on XX/XX/XXXX for failure to provide method of investigation. Equifax responded with a letter that I received on XX/XX/XXXX stating that their records show Ive already disputed the XXXX accounts in question twice in 90 days and that the information was verified as accurate. Equifax is not being truthful. How is asking for the method of investigation a second dispute from disputing the inaccuracies? Furthermore, once I complained that Equifax did not provide the method of investigation, how is that an additional dispute from the initial dispute? Then Equifax stated in the letter for a second time that the information has been verified as accurate without providing the method of investigation. 

Equifax is in violation of the Fair Credit Reporting Act as they have not provided me with proof of their method of investigation. According to 15 USC 1681e, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information. 

Also, Equifax has made false statements that Ive disputed these accounts twice. Equifax, please provide copies of my letters that I mailed on XX/XX/XXXX and XX/XX/XXXX that are in my consumer file to show proof of what I stated on the letters since youre stating I disputed the accounts twice. Please know you are in violation of my consumer rights and the FCRA for falsifying any statements. 

Equifax, you were recently in violation with the CFPB and involved in a lawsuit this year for failure to conduct proper investigations on consumer disputes. I expect you to be truthful and in compliance with the FCRA and CFPB. 

Ive attached a copy of the letter Equifax mailed me regarding their response to my CFPB dispute along with a copy of my certified mail receipts dated XX/XX/XXXX and XX/XX/XXXX showing proof of my initial dispute and response to their results of investigation.

Company response to consumer: Closed with explanation