{"took":108,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1198,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"12535295","_score":28.769299,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Formal Complaint Against Equifax for FCRA Violations Failure to Investigate & Remove Inaccurate Items To Whom It May Concern, I am filing this formal complaint against Equifax for their failure to investigate and correct inaccurate information on my credit report within the legally required 30-day timeframe, as mandated by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). \n\n30 days prior to today 's date of XX/XX/year>, I submitted a formal dispute to Equifax regarding multiple unauthorized inquiries and outdated accounts. I have not received any response or resolution, making Equifax non-compliant with federal law. \nViolations Committed by Equifax : FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to Investigate Within XXXX Days Equifax has failed to complete its investigation within the legally required XXXX-day period. \nFCRA 15 U.S.C. 1681e ( b ) Reporting Inaccurate Information They have continued reporting inaccurate, outdated, or unverifiable information, violating federal law.\n\nFCRA 15 U.S.C. 1681n & 1681o Willful & Negligent Non-Compliance Their failure to respond may constitute willful or negligent non-compliance, which entitles me to damages, legal fees, and corrective action.\n\nFCRA 15 U.S.C. 1681b ( f ) Unauthorized Hard Inquiries If Equifax fails to comply, I will escalate my complaint to the Federal Trade Commission ( FTC ), my State Attorney General, and consider legal action for damages under FCRA 15 U.S.C. 1681n and 1681o.\n\nI request an urgent review of this matter and expect a formal response within XXXX days, as required for CFPB complaints. \n\nSincerely, XXXX XXXX [ XXXX ]","date_sent_to_company":"2025-03-18T21:42:36.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"21740","tags":null,"has_narrative":true,"complaint_id":"12535295","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-18T21:35:51.000Z","state":"MD","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["FCRA 15 U.S.C. <em>1681n</em> & <em>1681o</em> Willful & Negligent Non-<em>Compliance</em> Their failure to respond may constitute willful or negligent non-<em>compliance</em>, which entitles me to damages, legal fees, and corrective action.\n\nFCRA 15 U.S.C. 1681b ( f ) Unauthorized Hard Inquiries If <em>Equifax</em> <em>fails</em> to comply, I will escalate my complaint to the Federal Trade Commission ( FTC ), my State Attorney General, and consider legal action for damages under FCRA 15 U.S.C. <em>1681n</em> and <em>1681o</em>."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[28.769299,"12535295"]},{"_index":"complaint-public-v1","_id":"12536946","_score":28.498835,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Formal Complaint Against XXXX for FCRA Violations Failure to Investigate & Remove Inaccurate Items To Whom It May Concern, I am filing this formal complaint against XXXX XXXX for their failure to investigate and correct inaccurate information on my credit report within the legally required 30-day timeframe, as mandated by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).\n\n30 days prior to today 's date of XX/XX/25, I submitted a formal dispute to Equifax regarding multiple unauthorized inquiries and outdated accounts. I have not received any response or resolution, making Equifax non-compliant with federal law. \n\nViolations Committed by Equifax : FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to Investigate Within 30 Days Equifax has failed to complete its investigation within the legally required 30-day period. \nFCRA 15 U.S.C. 1681e ( b ) Reporting Inaccurate Information They have continued reporting inaccurate, outdated, or unverifiable information, violating federal law.\n\nFCRA 15 U.S.C. 1681n & 1681o Willful & Negligent Non-Compliance Their failure to respond may constitute willful or negligent non-compliance, which entitles me to damages, legal fees, and corrective action.\n\nFCRA 15 U.S.C. 1681b ( f ) Unauthorized Hard Inquiries If Equifax fails to comply, I will escalate my complaint to the Federal Trade Commission ( FTC ), my State Attorney General, and consider legal action for damages under FCRA 15 U.S.C. 1681n and 1681o.\n\nI request an urgent review of this matter and expect a formal response within 15 days, as required for CFPB complaints. \n\nSincerely, XXXX XXXX [ XXXX ]","date_sent_to_company":"2025-03-18T20:36:32.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"21740","tags":null,"has_narrative":true,"complaint_id":"12536946","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-18T20:27:49.000Z","state":"MD","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["FCRA 15 U.S.C. <em>1681n</em> & <em>1681o</em> Willful & Negligent Non-<em>Compliance</em> Their failure to respond may constitute willful or negligent non-<em>compliance</em>, which entitles me to damages, legal fees, and corrective action.\n\nFCRA 15 U.S.C. 1681b ( f ) Unauthorized Hard Inquiries If <em>Equifax</em> <em>fails</em> to comply, I will escalate my complaint to the Federal Trade Commission ( FTC ), my State Attorney General, and consider legal action for damages under FCRA 15 U.S.C. <em>1681n</em> and <em>1681o</em>."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[28.498835,"12536946"]},{"_index":"complaint-public-v1","_id":"12412583","_score":28.086662,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a formal complaint against Equifax for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and for their negligent handling of my credit dispute. Despite my efforts to request verification of inaccurate information on my credit report, Equifax has failed to provide proper documentation or remove unverifiable accounts, violating my rights under federal law. \n\nUnder 15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ) and 15 U.S.C. 1681b ( Permissible Purpose of Consumer Reports ), Equifax is required to conduct a reasonable investigation and provide verification of disputed information. However, they failed to comply with these obligations and continued to report inaccurate information, which is a direct violation of the FCRA. \n\nFurthermore, XXXX negligence in failing to properly investigate and correct the inaccuracies on my credit report constitutes a violation of 15 U.S.C. 1681o ( Civil Liability for Negligence ) and 15 U.S.C. 1681n ( Civil Liability for Willful Non-Compliance ). This negligence has negatively impacted my creditworthiness and caused undue financial harm.","date_sent_to_company":"2025-03-11T21:49:29.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"12412583","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-11T21:35:27.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Furthermore, XXXX negligence in failing to properly <em>investigate</em> and <em>correct</em> the inaccuracies on my credit report constitutes a violation of 15 U.S.C. <em>1681o</em> ( Civil Liability for Negligence ) and 15 U.S.C. <em>1681n</em> ( Civil Liability for Willful Non-<em>Compliance</em> ). This negligence has negatively impacted my creditworthiness and caused undue financial harm."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[28.086662,"12412583"]},{"_index":"complaint-public-v1","_id":"16902890","_score":25.57935,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Equifax Reporting False Charge-Offs and Failing to Properly Investigate ( FCRA Violations ) I am filing this complaint because Equifax is reporting false and inaccurate charge-off accounts on my credit file, even though I have no charge-offs.\n\nI have disputed these inaccuracies multiple times, yet Equifax has failed to conduct a proper investigation as required by federal law. \nInstead, they continue to report these accounts as verified without providing any documentation or proof from the creditor. \n\nThis conduct violates multiple sections of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation of disputed information.\n\n15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy of the information.\n\n15 U.S.C. 1681n & 1681o Civil liability for willful or negligent non-compliance with the FCRA. \n\nThe inaccurate accountssuch as those reported by [ XXXX XXXX / XXXX XXXX /are being shown as charge-offs when no such status exists. I also have no late fees or any charge offs. \nEquifaxs continued reporting of these false charge-offs has harmed my credit score, limited my access to credit, and caused ongoing financial and emotional distress. \n\nAdditionally, the Consumer Financial Protection Bureau fined Equifax {$15.00} XXXX in XX/XX/year> for these same issues : failing to properly investigate consumer disputes, reporting inaccurate data, and violating the FCRA. \nThe same pattern of misconduct is now affecting me personally.\n\nI am requesting that the CFPB : 1. Investigate Equifaxs failure to reasonably reinvestigate my disputes under 1681i ( a ) ; 2. Require Equifax to immediately delete or correct all false charge-off information ; 3. Hold Equifax accountable for ongoing non-compliance with federal consumer-protection laws","date_sent_to_company":"2025-10-29T15:49:29.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"604XX","tags":null,"has_narrative":true,"complaint_id":"16902890","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-29T15:44:56.000Z","state":"IL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>Investigate</em> <em>Equifaxs</em> failure to reasonably reinvestigate my disputes under 1681i ( a ) ; 2. Require <em>Equifax</em> to immediately delete or <em>correct</em> all false charge-off information ; 3. Hold <em>Equifax</em> accountable for ongoing non-<em>compliance</em> with federal consumer-protection laws"],"company":["<em>EQUIFAX</em>, INC."]},"sort":[25.57935,"16902890"]},{"_index":"complaint-public-v1","_id":"22201644","_score":25.27329,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing this escalation complaint against Equifax , Inc., referencing my original complaint number XXXX. Equifax 's response to my initial complaint was inadequate and evasive. They claimed they were unable to locate my credit file, citing reasons such as not having applied for credit recently, not using credit in the last XXXX years, or not having a U.S. Social Security number. This response is unacceptable and fails to address the core issue of their non-compliance with the Fair Credit Reporting Act ( FCRA ). \n\nI have provided Equifax with all necessary identifying information, including my full name, XXXX XXXX, my date of birth, XX/XX/year>, and my Social Security Number, XXXX. This information was included in my original CFPB complaint, making Equifax 's response either a deliberate dodge tactic or indicative of deficient record-keeping practices. Equifax 's inability to locate my credit file constitutes a clear violation of their obligations under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which mandates that a consumer reporting agency must conduct a reasonable reinvestigation if a consumer disputes the completeness or accuracy of any item of information. Their failure to even locate my file suggests a failure to conduct any investigation, let alone a reasonable one.\n\nFurthermore, Equifax 's response fails to address the requirement under FCRA 1681e ( b ) to maintain maximum possible accuracy of the information in consumer reports. By claiming they can not locate my file, Equifax is effectively admitting to not maintaining accurate records, which has adversely affected my credit scores with Equifax , Experian, and TransUnion.\n\nEquifax 's actions, or lack thereof, demonstrate a pattern of non-compliance and disregard for consumer rights under the FCRA. I am requesting that the CFPB take enforcement action against Equifax for their willful and negligent non-compliance with the FCRA. Specifically, I demand that Equifax be required to conduct a proper reinvestigation of my credit file, correct any inaccuracies, and ensure the accuracy of my credit report moving forward. Additionally, I reserve my rights under 1681n for willful non-compliance, 1681o for negligent non-compliance, and I request the CFPB refer Equifax for enforcement action to prevent further harm to consumers.","date_sent_to_company":"2026-05-14T15:22:59.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"331XX","tags":null,"has_narrative":true,"complaint_id":"22201644","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2026-05-14T15:19:51.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Additionally, I reserve my rights under <em>1681n</em> for willful non-<em>compliance</em>, <em>1681o</em> for negligent non-<em>compliance</em>, and I request the CFPB refer <em>Equifax</em> for enforcement action to prevent further harm to consumers."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[25.27329,"22201644"]},{"_index":"complaint-public-v1","_id":"12858178","_score":24.977571,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB, I am submitting this formal complaint against equifax for their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2 ( b ). 1 previously disputed an inaccurate, incomplete, unverifiable, and invalid charge-off account appearing on my credit report with the Equifax. Despite providing ample evidence, Equifax has failed to correct or delete the inaccurate information, demonstrating a lack of compliance with their legal obligations. \nAccount information in Dispute : XXXX XXXX Account Number : XXXX Charge Off Date XX/XX/year> I have also disputed this charge-off account with the original creditor, This further establishes that the CRAs are failing to conduct a reasonable investigation, as required by law, and are not ensuring the accuracy and fairness of the information reported on my credit file. \nLegal Violations and Noncompliance : Equifax failure to correct or delete this inaccurate account constitutes multiple violations of the FCRA, including but not limited to : 1. Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681s-2 ( b ) ) - Equifax is required to properly investigate disputes and ensure that all reported information is accurate. Their failure to act in light of my dispute and supporting evidence violates this provision. \n2. Failure to Maintain Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) - Equifax must ensure the accuracy of reported information. By continuing to report unverifiable and false information, they are in direct violation of this requirement. \n3. Willful Noncompliance and Negligence ( 15 U.S.C. 1681n & 1681o )- Equifax is knowingly failing to comply with their legal obligations, which exposes them to potential statutory and punitive damages. \nRequested Resolution : Due to these violations and the failure of Equifax to uphold their legal obligations, I am formally demanding the immediate deletion of this charge-off account from my credit file. \nI request that the CFPB intervene and enforce compliance with federal law to ensure the fair and accurate reporting of my credit information. Please acknowledge receipt of this complaint and provide updates on the actions taken to address this matter. \nThank you for your prompt attention to this serious issue.","date_sent_to_company":"2025-04-07T18:48:33.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33401","tags":null,"has_narrative":true,"complaint_id":"12858178","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-07T18:16:13.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Dear CFPB, I am submitting this formal complaint against <em>equifax</em> for their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2 ( b ). 1 previously disputed an inaccurate, incomplete, unverifiable, and invalid charge-off account appearing on my credit report with the <em>Equifax</em>. Despite providing ample evidence, <em>Equifax</em> has <em>failed</em> to <em>correct</em> or delete the inaccurate information, demonstrating a lack of <em>compliance</em> with their legal obligations."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[24.977571,"12858178"]},{"_index":"complaint-public-v1","_id":"9190452","_score":24.916403,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : XXXX XXXX XXXX Equifax for FCRA Violations and Inaccurate Credit Reporting Accounts : XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXXXXXX, XXXX. \n\nTo : Consumer Financial Protection Bureau ( CFPB ) Complaint : I am writing to formally lodge a complaint against Equifax for numerous violations of the Fair Credit Reporting Act ( FCRA ) and other consumer protection regulations. Equifax has consistently reported inaccurate and duplicate negative accounts on my credit report. Despite multiple disputes and submissions of required documentation to verify my identity, Equifax has failed to validate or delete the inaccurate information. Specifically, Equifax is violating the following laws and provisions : Accuracy and Fairness - 1681e ( b ) : Equifax is required to follow reasonable procedures to ensure maximum possible accuracy in reporting information. By reporting the same negative accounts multiple times, they are failing to maintain accurate and fair records. \n\nDispute Resolution - 1681i : Upon dispute, Equifax is mandated to investigate within 30 days and correct or delete any inaccurate, incomplete, or unverifiable information. Despite my numerous disputes, the incorrect information remains on my report, indicating a failure to comply with this requirement. \n\nConsumer Rights to Access Information - 1681g : As a consumer, I have the right to access my credit information. Equifax 's website frequently displays technical errors that prevent me from accessing my credit report, thereby violating my rights under this section. \n\nReinvestigation and Correction - 1681i ( a ) : Equifax is obligated to conduct a reasonable reinvestigation when a dispute is raised. My disputes regarding the inaccurate and duplicate information have not led to any correction or deletion, showing a clear disregard for this provision. \n\nIdentity Verification and Record Updates : Equifax has repeatedly requested that I submit documentation to verify my identity, which I have done multiple times. Despite this, they have failed to update their records accordingly, reflecting a failure in their procedures for handling identity verification and record maintenance. \n\nAdditionally, Equifax 's customer service has been unhelpful and unable to resolve these issues, further compounding the problem. \n\nI urge the CFPB to investigate these ongoing issues with Equifax and take appropriate action to ensure compliance with all relevant laws and regulations. I appreciate your attention to this matter and look forward to a prompt resolution. \n\nI am attaching documents like the Equifax Credit Report, and Equifax Customer Care reply as proof. \n\nBecause of this, it is affecting my creditworthiness and causing me problems : Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to seek damages if credit reporting agencies fail to comply with the law : Civil Liability for Willful Noncompliance - 1681n : \" Under Civil Liability for Willful Noncompliance - 1681n of the FCRA, if Equifax willfully fails to comply with the FCRA, I am entitled to recover actual damages or statutory damages ranging from {$100.00} to {$1000.00}, punitive damages as determined by the court, and the costs of the action together with reasonable attorneys fees. '' XXXX XXXX for Negligent Noncompliance - 1681o : \" Under Civil Liability for Negligent Noncompliance - 1681o of the FCRA, if Equifax negligently fails to comply with the FCRA, I am entitled to recover actual damages and the costs of the action together with reasonable attorneys fees. ''","date_sent_to_company":"2024-06-07T06:08:26.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"328XX","tags":null,"has_narrative":true,"complaint_id":"9190452","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-06-07T05:49:13.000Z","state":"FL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I urge the CFPB to <em>investigate</em> these ongoing issues with <em>Equifax</em> and take appropriate action to ensure <em>compliance</em> with all relevant laws and regulations. I appreciate your attention to this matter and look forward to a prompt resolution. \n\nI am attaching documents like the <em>Equifax</em> Credit Report, and <em>Equifax</em> Customer Care reply as proof."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[24.916403,"9190452"]},{"_index":"complaint-public-v1","_id":"12581745","_score":24.758644,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint and Request for Immediate Enforcement Action Violations of Fair Credit Reporting Act ( FCRA ) To Whom It May Concern : I am submitting a formal complaint regarding XXXX Card and the major credit reporting bureausExperian, TransUnion, and Equifaxfor violations under the Fair Credit Reporting Act ( FCRA ), specifically : Violation of 15 U.S.C. 1681s-2 ( a ) XXXX XXXX has failed to furnish accurate and timely information to Experian, TransUnion, and Equifax. Despite my payment of {$1000.00} on XX/XX/XXXX, reducing my previous balance from {$1400.00} to {$480.00}, this correction has not been updated in my credit reports. \n\nViolation of 12 CFR Part 1022 ( Regulation V ) XXXX XXXX and the credit bureaus have failed to maintain procedures ensuring accuracy of reported information, adversely impacting my creditworthiness and ability to secure mortgage financing. \n\nViolation of 15 U.S.C. 1681i Experian, TransUnion, and Equifax have failed to promptly investigate and correct inaccuracies after receiving notice of dispute. My repeated efforts to resolve this directly with XXXX have been ignored, constituting willful noncompliance. \n\nViolation of 15 U.S.C. 1681n and 1681o XXXX ongoing refusal to correct the information and the credit bureaus ' negligence in updating my account balance constitute willful and negligent noncompliance, actionable under federal law. \n\nThe incorrect reporting of my XXXX account is causing significant harm, including impeding my ability to obtain mortgage approval for a home purchase. \n\nI request that the CFPB immediately enforce compliance and mandate that XXXX XXXX, Experian, TransUnion, and Equifax accurately update my credit reports to reflect the correct balance of {$480.00} without further delay. \n\nYour prompt intervention is essential and appreciated. \n\nRespectfully, XXXX XXXX XXXX","date_sent_to_company":"2025-03-21T05:10:12.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89141","tags":null,"has_narrative":true,"complaint_id":"12581745","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-21T04:51:49.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Violation of 12 CFR Part 1022 ( Regulation V ) XXXX XXXX and the credit bureaus have <em>failed</em> to maintain procedures ensuring accuracy of reported information, adversely impacting my creditworthiness and ability to secure mortgage financing. \n\nViolation of 15 U.S.C. 1681i Experian, TransUnion, and <em>Equifax</em> have <em>failed</em> to promptly <em>investigate</em> and <em>correct</em> inaccuracies after receiving notice of dispute."]},"sort":[24.758644,"12581745"]},{"_index":"complaint-public-v1","_id":"12581538","_score":24.739792,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint and Request for Immediate Enforcement Action Violations of Fair Credit Reporting Act ( FCRA ) To Whom It May Concern : I am submitting a formal complaint regarding XXXX Card and the major credit reporting bureausExperian, TransUnion, and Equifaxfor violations under the Fair Credit Reporting Act ( FCRA ), specifically : Violation of 15 U.S.C. 1681s-2 ( a ) XXXX XXXX has failed to furnish accurate and timely information to Experian, TransUnion, and Equifax. Despite my payment of {$1000.00} on XX/XX/XXXX, reducing my previous balance from {$1400.00} to {$480.00}, this correction has not been updated in my credit reports. \n\nViolation of 12 CFR Part 1022 ( Regulation V ) XXXX XXXX and the credit bureaus have failed to maintain procedures ensuring accuracy of reported information, adversely impacting my creditworthiness and ability to secure mortgage financing. \n\nViolation of 15 U.S.C. 1681i Experian, TransUnion, and Equifax have failed to promptly investigate and correct inaccuracies after receiving notice of dispute. My repeated efforts to resolve this directly with XXXX have been ignored, constituting willful noncompliance. \n\nViolation of 15 U.S.C. 1681n and 1681o XXXX ongoing refusal to correct the information and the credit bureaus ' negligence in updating my account balance constitute willful and negligent noncompliance, actionable under federal law. \n\nThe incorrect reporting of my XXXX account is causing significant harm, including impeding my ability to obtain mortgage approval for a home purchase. \n\nI request that the CFPB immediately enforce compliance and mandate that XXXX XXXX, Experian, TransUnion, and Equifax accurately update my credit reports to reflect the correct balance of {$480.00} without further delay. \n\nYour prompt intervention is essential and appreciated. \n\nRespectfully, XXXX XXXX XXXX","date_sent_to_company":"2025-03-21T05:10:17.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89141","tags":null,"has_narrative":true,"complaint_id":"12581538","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-21T05:09:45.000Z","state":"NV","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Violation of 12 CFR Part 1022 ( Regulation V ) XXXX XXXX and the credit bureaus have <em>failed</em> to maintain procedures ensuring accuracy of reported information, adversely impacting my creditworthiness and ability to secure mortgage financing. \n\nViolation of 15 U.S.C. 1681i Experian, TransUnion, and <em>Equifax</em> have <em>failed</em> to promptly <em>investigate</em> and <em>correct</em> inaccuracies after receiving notice of dispute."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[24.739792,"12581538"]},{"_index":"complaint-public-v1","_id":"12581449","_score":24.739792,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint and Request for Immediate Enforcement Action Violations of Fair Credit Reporting Act ( FCRA ) To Whom It May Concern : I am submitting a formal complaint regarding XXXX Card and the major credit reporting bureausExperian, TransUnion, and Equifaxfor violations under the Fair Credit Reporting Act ( FCRA ), specifically : Violation of 15 U.S.C. 1681s-2 ( a ) XXXX XXXX has failed to furnish accurate and timely information to Experian, TransUnion, and Equifax. Despite my payment of {$1000.00} on XX/XX/XXXX, reducing my previous balance from {$1400.00} to {$480.00}, this correction has not been updated in my credit reports. \n\nViolation of 12 CFR Part 1022 ( Regulation V ) XXXX XXXX and the credit bureaus have failed to maintain procedures ensuring accuracy of reported information, adversely impacting my creditworthiness and ability to secure mortgage financing. \n\nViolation of 15 U.S.C. 1681i Experian, TransUnion, and Equifax have failed to promptly investigate and correct inaccuracies after receiving notice of dispute. My repeated efforts to resolve this directly with XXXX have been ignored, constituting willful noncompliance. \n\nViolation of 15 U.S.C. 1681n and 1681o XXXX ongoing refusal to correct the information and the credit bureaus ' negligence in updating my account balance constitute willful and negligent noncompliance, actionable under federal law. \n\nThe incorrect reporting of my XXXX account is causing significant harm, including impeding my ability to obtain mortgage approval for a home purchase. \n\nI request that the CFPB immediately enforce compliance and mandate that XXXX XXXX, Experian, TransUnion, and Equifax accurately update my credit reports to reflect the correct balance of {$480.00} without further delay. \n\nYour prompt intervention is essential and appreciated. \n\nRespectfully, XXXX XXXX XXXX","date_sent_to_company":"2025-03-21T05:10:12.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89141","tags":null,"has_narrative":true,"complaint_id":"12581449","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-21T05:09:45.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Violation of 12 CFR Part 1022 ( Regulation V ) XXXX XXXX and the credit bureaus have <em>failed</em> to maintain procedures ensuring accuracy of reported information, adversely impacting my creditworthiness and ability to secure mortgage financing. \n\nViolation of 15 U.S.C. 1681i Experian, TransUnion, and <em>Equifax</em> have <em>failed</em> to promptly <em>investigate</em> and <em>correct</em> inaccuracies after receiving notice of dispute."]},"sort":[24.739792,"12581449"]},{"_index":"complaint-public-v1","_id":"11837291","_score":24.01632,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint due to negligent noncompliance with the Fair Credit Reporting Act ( FCRA ) by both Experian and Equifax regarding inaccurate late payments and collection accounts on my credit report. \n\nOn XX/XX/year>, I submitted formal disputes to both credit bureaus requesting a reinvestigation of inaccurate, unverifiable, and outdated negative items under 15 U.S.C. 1681i ( a ). Despite providing supporting documentation and requesting proper validation, both companies failed to conduct a reasonable reinvestigation as required by law.\n\nThe inaccurate items remained on my report without proper verification or correction, and I was not provided with any valid proof that the disputed accounts were accurately reported.\n\nI have taken multiple actions, including : Submitting disputes in writing with supporting documentation Following up with both XXXX and Equifax for a status update Requesting a clear explanation of their verification process Asking for proof of accuracy, which was not provided Despite my efforts, the credit bureaus have continued reporting inaccurate late payments and collections, which have negatively impacted my credit score and financial opportunities. Their failure to ensure accuracy ( 15 U.S.C. 1681e ( b ) ) and failure to properly reinvestigate my disputes ( 15 U.S.C. 1681i ( a ) ) constitute negligent violations of the FCRA under 15 U.S.C. 1681o.\n\nResolution Sought I request that the Consumer Financial Protection Bureau ( CFPB ) investigate XXXX and Equifaxs noncompliance and require them to : 1. Immediately delete or correct all inaccurate, unverifiable, and outdated late payments and collection accounts 2. Provide documented proof that these accounts were properly investigated and verified 3. Ensure future compliance with FCRA regulations to prevent continued harm If XXXX and Equifax fail to comply, I am prepared to escalate this matter further through legal action for damages under 15 U.S.C. 1681n and 1681o.","date_sent_to_company":"2025-01-30T05:41:39.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20001","tags":null,"has_narrative":true,"complaint_id":"11837291","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-30T05:41:37.000Z","state":"DC","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Provide documented proof that these accounts were properly <em>investigated</em> and verified 3. Ensure future <em>compliance</em> with FCRA regulations to prevent continued harm If XXXX and <em>Equifax</em> <em>fail</em> to comply, I am prepared to escalate this matter further through legal action for damages under 15 U.S.C. <em>1681n</em> and <em>1681o</em>."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[24.01632,"11837291"]},{"_index":"complaint-public-v1","_id":"11588428","_score":23.911495,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I discovered multiple inaccuracies on my credit report and formally disputed them with Equifax. The specific issues include : Incorrect Reporting of a Late Payment : The account from XXXX ( XXXX ) ** is inaccurately marked with a late payment. Under 15 U.S.C. 1681i, I am disputing this and requesting it be updated to \" paid as agreed, never late. '' Unverified Debts : For accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) **, I demanded validation of the debts under 15 U.S.C . 1692g. Specifically, I requested documentation like the original signed contracts and proof of the debt collectors authority to collect these debts. If they can not provide such validation, I expect the inaccurate entries to be removed, as required by 15 U.S.C. 1681s-2. \n\nIncorrect Personal Information : My credit report contains XXXX incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C. 1681i, I am disputing these inaccuracies and requesting they be corrected or removed.\n\nI emphasized that Equifax is legally required under the Fair Credit Reporting Act ( FCRA ) to investigate disputes and correct or delete inaccurate information within 30 days. Failure to comply could result in liability under 15 U.S.C. 1681n ( for willful non-compliance ) or 15 U.S.C. 1681o ( for negligent non-compliance ).\n\nI also requested that Equifax provide me with details of the investigative procedures they use, as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), and to send me an updated credit report reflecting the corrections.\n\nIf Equifax fails to resolve these disputes promptly and accurately, I intend to escalate the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) or the Federal Trade Commission ( FTC ) and may consider legal action to enforce my rights.","date_sent_to_company":"2025-01-20T17:44:36.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"29303","tags":null,"has_narrative":true,"complaint_id":"11588428","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-20T17:37:23.000Z","state":"SC","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Failure to comply could result in liability under 15 U.S.C. <em>1681n</em> ( for willful non-<em>compliance</em> ) or 15 U.S.C. <em>1681o</em> ( for negligent non-<em>compliance</em> ).\n\nI also requested that <em>Equifax</em> provide me with details of the <em>investigative</em> procedures they use, as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), and to send me an updated credit report reflecting the corrections."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[23.911495,"11588428"]},{"_index":"complaint-public-v1","_id":"12604257","_score":23.664452,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against Equifax for their continued violations of the Fair Credit Reporting Act ( FCRA ), failure to follow reasonable procedures, and refusal to properly address my dispute. Despite my previous attempt to resolve this matter privately, Equifax has failed to take corrective action, leaving me no choice but to escalate this issue to the Consumer Financial Protection Bureau ( CFPB ). As a federally protected consumer, I am fully aware of my rights to privacy under 15 U.S.C. 1681a ( 4 ) and my rights under 15 U.S.C. 1681b ( 2 ), which clearly states that a consumer report may only be furnished with the written authorization of the consumer. I DID NOT provide Equifax with written authorization to report the XXXX XXXX account ( Account XXXX ) and XXXX XXXX ( Account number XXXX ), which means Equifax is reporting these accounts without a permissible purpose, in direct violation of federal law. Additionally, Equifaxs actions demonstrate willful and negligent noncompliance with the FCRA under 15 U.S.C. 1681n and 15 U.S.C. 1681o. Instead of properly investigating my dispute, Equifax has failed to follow reasonable procedures to assure maximum possible accuracy as required by 15 U.S.C. 1681e ( b ). Furthermore, I demand that no AI verification through the E-OSCAR system be used in handling these disputes, as it does not constitute a reasonable investigation. As a direct result of Equifaxs reckless reporting and failure to correct this inaccurate information, I have suffered severe financial and emotional distress. I am unable to secure a mortgage for my family due to this erroneous entry, leaving us in an unstable housing situation. This constitutes actual damages, and under 15 U.S.C. 1681n, Equifax is liable for statutory damages of up to {$1000.00} per violation, in addition to punitive damages for willful misconduct. I am formally demanding that Equifax immediately delete the XXXX XXXX account and XXXX XXXX from my credit report and provide me with written confirmation and an updated copy of my corrected report within 14 days. If Equifax fails to comply, I will have no choice but to seek legal counsel and pursue full monetary damages under the FCRA, including for defamation of character and emotional distress. I urge the CFPB to take immediate action to enforce Equifaxs compliance with federal consumer protection laws and hold them accountable for these violations.","date_sent_to_company":"2025-03-21T21:39:40.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"07052","tags":null,"has_narrative":true,"complaint_id":"12604257","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-21T21:26:10.000Z","state":"NJ","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I DID NOT provide <em>Equifax</em> with written authorization to report the XXXX XXXX account ( Account XXXX ) and XXXX XXXX ( Account number XXXX ), which means <em>Equifax</em> is reporting these accounts without a permissible purpose, in direct violation of federal law. Additionally, <em>Equifaxs</em> actions demonstrate willful and negligent noncompliance with the FCRA under 15 U.S.C. <em>1681n</em> and 15 U.S.C. <em>1681o</em>."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[23.664452,"12604257"]},{"_index":"complaint-public-v1","_id":"11909661","_score":23.50005,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am filing this formal complaint against Equifax Information Services LLC for reporting inaccurate and unverifiable information on my credit file in violation of the Fair Credit Re\n\nporting Act ( FCRA ), 15 U.S.C. 1681. Nature of the Complaint : Equifax is reporting multiple inaccuracies that do not align with the information reported by the other major credit bureaus, XXXX and XXXX. These discrepancies indicate a failure to ensure the maximum possible accuracy of consumer credit reports as required by 15 U.S.C. 1681e ( b ). \nDespite my previous efforts to dispute these errors, Equifax has failed to conduct a reasonable reinvestigation as required under 15 U.S.C. 1681i. If Equifax can not verify this information with reliable documentation, it must be deleted immediately from my credit file. \nAttached Evidence : I have attached a copy of my most recent credit report, highlighting multiple discrepancies between Equifax and the other credit reporting agencies. These inconsistencies are unjustly impacting my creditworthiness and financial standing. \nViolations & Legal Basis : 1. Failure to Maintain Accurate Information ( 15 U.S.C. 1681e ( b ) ) o Equifax is reporting information that does not match the data maintained by XXXX and XXXX, suggesting a lack of reasonable procedures for accuracy. \n2. Failure to Properly Investigate Disputes ( 15 U.S.C. 1681i ) o Equifax has neglected to conduct a proper reinvestigation and continues to report inaccurate information without verification. \n3. Civil Liability for Negligence or Willful Noncompliance ( 15 U.S.C. 1681n & 1681o ) o If Equifax 's failure to correct these errors is found to be negligent or willful, it may be subject to statutory damages, punitive damages, and attorney fees. \nRequested Resolution : 1. Conduct an immediate reinvestigation of the attached credit report discrepancies and provide a detailed response.\n\n2. Remove or correct all inaccurate and unverifiable information in accordance with the FCRA.\n\n3. Provide me with an updated, corrected credit report reflecting these changes. \nIf this issue is not resolved in compliance with federal law, I am prepared to pursue further legal action and escalate this complaint to the Federal Trade Commission ( FTC ), my state 's Attorney Generals office, and other relevant regulatory authorities. \nI expect a prompt resolution and written confirmation of your investigation.","date_sent_to_company":"2025-02-03T17:51:10.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"02301","tags":null,"has_narrative":true,"complaint_id":"11909661","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-03T17:41:08.000Z","state":"MA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Civil Liability for Negligence or Willful Noncompliance ( 15 U.S.C. <em>1681n</em> & <em>1681o</em> ) o If <em>Equifax</em> 's failure to <em>correct</em> these errors is found to be negligent or willful, it may be subject to statutory damages, punitive damages, and attorney fees. \nRequested Resolution : 1. Conduct an immediate reinvestigation of the attached credit report discrepancies and provide a detailed response.\n\n2. Remove or <em>correct</em> all inaccurate and unverifiable information in accordance with the FCRA.\n\n3."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[23.50005,"11909661"]},{"_index":"complaint-public-v1","_id":"16808082","_score":23.20513,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint because Equifax has failed to provide me with a copy of my consumer credit report as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I have made multiple attempts to access my report both through Equifaxs website and XXXX, but each time I receive the message Error Code NH. Despite contacting Equifax customer service, verifying my identity, and following their instructions, I have not been provided a copy of my report or any written explanation of the issue. This failure violates 15 U.S.C. 1681g ( a ) ( 1 ), which requires consumer reporting agencies to clearly and accurately disclose all information in a consumers file upon request, as well as 15 U.S.C. 1681h ( a ) ( 1 ), which mandates disclosure upon proper identification, and 15 U.S.C. 1681j ( a ), which guarantees one free disclosure per year. By refusing or failing to provide my report, Equifax has denied me my legal right to access and review the information in my credit file, in violation of these provisions and subject to the civil liability outlined in 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance. I request that the Consumer Financial Protection Bureau investigate Equifaxs conduct, require the company to provide me with my complete and accurate credit report, and compel it to explain the meaning of Error Code NH and correct any issues with its systems that prevent lawful consumer access. I have retained screenshots of the error message, call records with Equifax representatives, and a copy of my online request, which demonstrate my repeated good-faith attempts to obtain the report. Equifaxs actions effectively deny me the rights guaranteed under the FCRA, and I ask the CFPB to take appropriate enforcement action to ensure compliance.","date_sent_to_company":"2025-10-24T18:00:12.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"660XX","tags":null,"has_narrative":true,"complaint_id":"16808082","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-24T16:00:22.000Z","state":"KS","company_public_response":null,"sub_issue":"Problem getting your free annual credit report"},"highlight":{"complaint_what_happened":["By refusing or failing to provide my report, <em>Equifax</em> has denied me my legal right to access and review the information in my credit file, in violation of these provisions and subject to the civil liability outlined in 15 U.S.C. <em>1681n</em> and <em>1681o</em> for willful or negligent noncompliance."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[23.20513,"16808082"]},{"_index":"complaint-public-v1","_id":"12126253","_score":23.182169,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL, XXXX XXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Information Under the Fair Credit Reporting Act ( FCRA ) Dear Equifax Dispute Department , I am writing to formally dispute inaccurate information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Under this law, Equifax is required to report only accurate, complete, and verifiable information. The following item ( s ) on my credit report are incorrect and must be investigated and corrected immediately. \n\nDisputed Item ( s ) : XXXX XXXX XXXX XXXXXXXX Account number : XXXX XXXX XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX Account number : XXXX FCRA Violations and Required Action Under the FCRA XXXX Equifax has the following legal obligations : XXXX. Accuracy and Fairness ( 1681e ( b ) ) Equifax must maintain reasonable procedures to ensure maximum possible accuracy in credit reporting. The presence of inaccurate information violates this requirement. \nXXXX. Investigation of Disputed Information ( 1681i ( a ) ) Once a consumer disputes information, Equifax must investigate within 30 days and delete or correct any unverifiable, inaccurate, or outdated information. \nXXXX. Notification of Corrections ( 1681i ( d ) ) If Equifax corrects or deletes any disputed item, it must provide me with a written notice and an updated credit report. \nXXXX. Liability for Non-Compliance ( 1681n, 1681o ) If Equifax fails to investigate or correct this inaccurate information, it may be subject to civil liability for willful non-compliance or negligence, including actual damages, statutory damages, and attorneys fees. \n\nRequested Resolution I request the following actions be taken immediately : A full reinvestigation into the disputed information. \nRemoval or correction of any inaccurate, unverifiable, or outdated information. \nA written statement confirming the results of your investigation and an updated copy of my credit report. \n\nFailure to comply with this request within the legally mandated timeframe may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action. \n\nI have attached copies of relevant supporting documents, including [ mention any evidence, such as credit reports, account statements, or correspondence with creditors ]. Please respond within 30 days as required by law. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-02-25T18:50:24.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33407","tags":null,"has_narrative":true,"complaint_id":"12126253","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-19T02:00:27.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Liability for Non-<em>Compliance</em> ( <em>1681n</em>, <em>1681o</em> ) If <em>Equifax</em> <em>fails</em> to <em>investigate</em> or <em>correct</em> this inaccurate information, it may be subject to civil liability for willful non-<em>compliance</em> or negligence, including actual damages, statutory damages, and attorneys fees. \n\nRequested Resolution I request the following actions be taken immediately : A full reinvestigation into the disputed information. \nRemoval or correction of any inaccurate, unverifiable, or outdated information."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[23.182169,"12126253"]},{"_index":"complaint-public-v1","_id":"12614202","_score":23.139399,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Ongoing Violations of the Fair Credit Reporting Act and Failure to Investigate Disputed Information Reference to CFPB Lawsuit Dear Equifax, I am writing to formally document a pattern of continued non-compliance by Equifax under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and to escalate my complaint in reference to the Consumer Financial Protection Bureaus lawsuit against Equifax regarding its failure to protect consumer data and failure to meet legal obligations under federal law.\n\nYour inability to correct inaccurate and unverifiable accounts, despite three formal dispute letters submitted on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>, directly reflects the same conduct the CFPB outlined in its enforcement action. I provided specific account numbers and demanded a full reinvestigation and proper documentation under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), which Equifax has failed to produce or comply with.\n\nDisputed Accounts Still Unresolved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite my clear and lawful requests, Equifax has failed to : Provide a description of the reinvestigation procedures used ; Deliver the method of verification ; Share documentation from the furnisher used to verify the information ; Comply with statutory deadlines under 1681i ( a ) for dispute resolution.\n\nThese actions mirror the concerns raised in the CFPBs lawsuit ( e.g., CFPB v. Equifax, Case No. 1:19-cv-000XX ), in which Equifax was found to repeatedly neglect its legal obligations and consumer protections, including inadequate dispute handling and poor data accountability.\n\nImmediate Demands : Pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) and 1681i ( a ) ( 6 ) ( B ) ( iii ) : Provide written confirmation of removal or correction of the above accounts ; Deliver all reinvestigation records and third-party verification ; Complete these actions within 15 days of receipt of this letter.\n\nNotice of Legal Action : Failure to comply will result in the following : A formal complaint filed with the CFPB, FTC, and NJ Attorney Generals Office ; Legal action for willful and negligent non-compliance under 15 U.S.C. 1681n and 1681o ; Pursuit of statutory, actual, and punitive damages as provided by law.\n\nYour continued failure to protect consumer rights and comply with federal law is unacceptable. I expect your full response and compliance without further delay.","date_sent_to_company":"2025-03-22T10:02:01.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"07701","tags":null,"has_narrative":true,"complaint_id":"12614202","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-22T09:46:18.000Z","state":"NJ","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Notice of Legal Action : Failure to comply will result in the following : A formal complaint filed with the CFPB, FTC, and NJ Attorney Generals Office ; Legal action for willful and negligent non-<em>compliance</em> under 15 U.S.C. <em>1681n</em> and <em>1681o</em> ; Pursuit of statutory, actual, and punitive damages as provided by law.\n\nYour continued failure to protect consumer rights and comply with federal law is unacceptable. I expect your full response and <em>compliance</em> without further delay."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[23.139399,"12614202"]},{"_index":"complaint-public-v1","_id":"14715232","_score":22.914562,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Formal Complaint Metro 2 and FCRA Compliance Dispute Against XXXX XXXX XXXX Account # : XXXX To Whom It May Concern at the CFPB, This is a formal complaint and dispute under the Fair Credit Reporting Act ( FCRA ) and Metro 2 Compliance Guidelines against XXXX XXXX XXXX ( XXXX ) for their ongoing reporting of a collection account on my credit reports with Experian and Equifax. \n\nFCRA & Metro 2 Compliance Violations : Unverified and inaccurate reporting XXXX has not provided verifiable proof that I owe this alleged debt or that they have the legal right to report and collect it. \n\nFailure to report accurately per Metro 2 standards The reported data may reflect XXXX or more of the following Metro 2 violations : Improper Date of First Delinquency ; Failure to update the account as disputed under the XB compliance condition code ; Continued reporting of an account not legally validated ; Misleading status ( e.g., reporting as open or past due when account is closed/charged-off/collections ). \n\nFailure to conduct a reasonable investigation As required by 15 U.S.C. 1681i, XXXX has not corrected or removed the account after being notified of my dispute. \n\nViolations of 1681e ( b ) XXXX and the credit bureaus are required to ensure maximum possible accuracy. Reporting unverifiable, inconsistent, or incomplete data is a direct violation. \n\nMy Formal Demands : Permanent deletion of the Portfolio Recovery collection account from all credit reporting agencies ( Experian, Equifax ) ; Written confirmation of the deletion and a copy of the results of the reinvestigation ; Investigation by the CFPB into XXXX non-compliance with Metro 2 and FCRA ; Monetary compensation as provided under 15 U.S.C. 1681n and 1681o, should violations be found. \n\nXXXX XXXX has had multiple opportunities to correct and validate this account and has failed to comply with federal reporting standards. As such, I am seeking regulatory intervention and full deletion of this account. \n\nThank you for your prompt attention to this serious legal matter. \n\nXXXX XXXX","date_sent_to_company":"2025-07-17T18:31:14.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33056","tags":null,"has_narrative":true,"complaint_id":"14715232","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-17T18:30:49.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["My Formal Demands : Permanent deletion of the Portfolio Recovery collection account from all credit reporting agencies ( Experian, <em>Equifax</em> ) ; Written confirmation of the deletion and a copy of the results of the reinvestigation ; <em>Investigation</em> by the CFPB into XXXX non-<em>compliance</em> with Metro 2 and FCRA ; Monetary compensation as provided under 15 U.S.C. <em>1681n</em> and <em>1681o</em>, should violations be found."]},"sort":[22.914562,"14715232"]},{"_index":"complaint-public-v1","_id":"14713962","_score":22.89939,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Formal Complaint Metro 2 and FCRA Compliance Dispute Against XXXX XXXX XXXX Account # : XXXX To Whom It May Concern at the CFPB, This is a formal complaint and dispute under the Fair Credit Reporting Act ( FCRA ) and Metro 2 Compliance Guidelines against XXXX XXXX XXXX ( XXXX ) for their ongoing reporting of a collection account on my credit reports with Experian and Equifax. \n\nFCRA & Metro 2 Compliance Violations : Unverified and inaccurate reporting XXXX has not provided verifiable proof that I owe this alleged debt or that they have the legal right to report and collect it. \n\nFailure to report accurately per Metro 2 standards The reported data may reflect XXXX or more of the following Metro 2 violations : Improper Date of First Delinquency ; Failure to update the account as disputed under the XB compliance condition code ; Continued reporting of an account not legally validated ; Misleading status ( e.g., reporting as open or past due when account is closed/charged-off/collections ). \n\nFailure to conduct a reasonable investigation As required by 15 U.S.C. 1681i, XXXX has not corrected or removed the account after being notified of my dispute. \n\nViolations of 1681e ( b ) XXXX and the credit bureaus are required to ensure maximum possible accuracy. Reporting unverifiable, inconsistent, or incomplete data is a direct violation. \n\nMy Formal Demands : Permanent deletion of the Portfolio Recovery collection account from all credit reporting agencies ( Experian, Equifax ) ; Written confirmation of the deletion and a copy of the results of the reinvestigation ; Investigation by the CFPB into XXXX non-compliance with Metro 2 and FCRA ; Monetary compensation as provided under 15 U.S.C. 1681n and 1681o, should violations be found. \n\nXXXX XXXX has had multiple opportunities to correct and validate this account and has failed to comply with federal reporting standards. As such, I am seeking regulatory intervention and full deletion of this account. \n\nThank you for your prompt attention to this serious legal matter. \n\nXXXX XXXX","date_sent_to_company":"2025-07-17T18:31:14.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33056","tags":null,"has_narrative":true,"complaint_id":"14713962","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-17T18:12:05.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["My Formal Demands : Permanent deletion of the Portfolio Recovery collection account from all credit reporting agencies ( Experian, <em>Equifax</em> ) ; Written confirmation of the deletion and a copy of the results of the reinvestigation ; <em>Investigation</em> by the CFPB into XXXX non-<em>compliance</em> with Metro 2 and FCRA ; Monetary compensation as provided under 15 U.S.C. <em>1681n</em> and <em>1681o</em>, should violations be found."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[22.89939,"14713962"]},{"_index":"complaint-public-v1","_id":"11821589","_score":22.835045,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I've sent multiple dispute letters to Equifax regarding multiple inaccuracies on my consumer report. Despite providing evidence, Equifax has failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ). As a consumer, I have rights under the Fair Credit Reporting Act ( FCRA ) to ensure that my credit report is fair, accurate, and fully substantiated. The inaccurate information is negatively affecting my credit score, and I request immediate action to correct the errors. \n\nSpecifically, I would like to bring to your attention the following items on my credit report, which are inaccurate : 1. [ US DEPT ED ] XXXX XXXX. [ US DEPT ED ] XXXX Under 15 U.S.C. 1681e ( b ), the credit reporting agency is required to follow reasonable procedures to ensure the maximum possible accuracy of the information reported. Based on my review of the report, it is clear that this standard has not been met.\n\nAdditionally, under 15 U.S.C. 1681i, I am requesting a reinvestigation of these inaccuracies. You are required to review and delete any information that is found to be inaccurate, incomplete, or unverifiable within 30 days. Please provide written confirmation of your findings once the investigation is complete. \n\nFailure to comply with the FCRA in this matter could result in serious consequences. Non-compliance, including failure to correct or remove inaccurate information, can result in legal liability under 15 U.S.C. 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S.C. 1681o ( Civil Liability for Negligent Noncompliance ), which could subject your agency to lawsuits, financial penalties, and responsibility for damages incurred by the consumer, including punitive damages, court costs, and attorney fees. \n\nPlease act promptly and ensure that these inaccuracies are resolved in compliance with the FCRA & the lawsuit that was filed against XXXX. I expect to receive a response and resolution of these issues within the legally mandated time frame of 30 days. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-01-28T21:38:24.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33023","tags":null,"has_narrative":true,"complaint_id":"11821589","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-28T21:24:07.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Non-<em>compliance</em>, including failure to <em>correct</em> or remove inaccurate information, can result in legal liability under 15 U.S.C. <em>1681n</em> ( Civil Liability for Willful Noncompliance ) and 15 U.S.C. <em>1681o</em> ( Civil Liability for Negligent Noncompliance ), which could subject your agency to lawsuits, financial penalties, and responsibility for damages incurred by the consumer, including punitive damages, court costs, and attorney fees."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[22.835045,"11821589"]},{"_index":"complaint-public-v1","_id":"13983151","_score":22.602663,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this formal complaint against Equifax for its failure to properly investigate and remove a fraudulent XXXX XXXX account ( administered by XXXX XXXX ) from my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.\n\nAn unauthorized account was fraudulently opened in my name with XXXX XXXX. Upon discovery, I promptly disputed the account and submitted all required documentation to both XXXX and the credit reporting agencies, including : A detailed written identity theft statement An FTC Identity Theft Report Valid proof of my identity and address Despite this, Equifax has continued to report the fraudulent account, and failed to conduct a reasonable reinvestigation under 15 U.S.C. 1681i. XXXX XXXX also failed to fulfill their obligations under 1681s2 ( b ). Equifaxs ongoing reporting of this accountdespite clear evidence of identity theftconstitutes willful noncompliance with its statutory duty to ensure maximum possible accuracy of the information it furnishes. \n\nThis inaccurate reporting is materially harming my creditworthiness and violates my rights under federal law. I am demanding : Immediate and permanent deletion of the fraudulent XXXX XXXX account from my Equifax credit file A formal written explanation from Equifax outlining the reinvestigation conducted and the rationale for continuing to report the tradeline ( if applicable ) Full compliance with the FCRA, including written confirmation of the accounts removal If Equifax does not comply with this request, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue legal remedies for statutory damages, punitive damages, and attorneys fees under 15 U.S.C. 1681n and 1681o.\n\nThis is your final opportunity to correct this matter before escalation.","date_sent_to_company":"2025-06-09T14:50:40.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"07003","tags":null,"has_narrative":true,"complaint_id":"13983151","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-09T14:50:16.000Z","state":"NJ","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["remedies for statutory damages, punitive damages, and attorneys fees under 15 U.S.C. <em>1681n</em> and <em>1681o</em>."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[22.602663,"13983151"]},{"_index":"complaint-public-v1","_id":"13982674","_score":22.602663,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this formal complaint against Equifax for its failure to properly investigate and remove a fraudulent XXXX XXXX account ( administered by XXXX XXXX ) from my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.\n\nAn unauthorized account was fraudulently opened in my name with XXXX XXXX. Upon discovery, I promptly disputed the account and submitted all required documentation to both XXXX and the credit reporting agencies, including : A detailed written identity theft statement An FTC Identity Theft Report Valid proof of my identity and address Despite this, Equifax has continued to report the fraudulent account, and failed to conduct a reasonable reinvestigation under 15 U.S.C. 1681i. XXXX XXXX also failed to fulfill their obligations under 1681s2 ( b ). Equifaxs ongoing reporting of this accountdespite clear evidence of identity theftconstitutes willful noncompliance with its statutory duty to ensure maximum possible accuracy of the information it furnishes. \n\nThis inaccurate reporting is materially harming my creditworthiness and violates my rights under federal law. I am demanding : Immediate and permanent deletion of the fraudulent XXXX XXXX account from my Equifax credit file A formal written explanation from Equifax outlining the reinvestigation conducted and the rationale for continuing to report the tradeline ( if applicable ) Full compliance with the FCRA, including written confirmation of the accounts removal If Equifax does not comply with this request, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue legal remedies for statutory damages, punitive damages, and attorneys fees under 15 U.S.C. 1681n and 1681o.\n\nThis is your final opportunity to correct this matter before escalation.","date_sent_to_company":"2025-06-09T14:50:41.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"07003","tags":null,"has_narrative":true,"complaint_id":"13982674","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-09T14:38:12.000Z","state":"NJ","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["remedies for statutory damages, punitive damages, and attorneys fees under 15 U.S.C. <em>1681n</em> and <em>1681o</em>."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[22.602663,"13982674"]},{"_index":"complaint-public-v1","_id":"16079456","_score":22.323328,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this formal complaint regarding Equifax 's inaccurate reporting of a bankruptcy on my credit report. This bankruptcy does not belong to me and is materially false and damaging to my credit standing and personal reputation. \n\nAs part of my investigation into this matter, I obtained a copy of my XXXX Full File Disclosure, which I am attaching to this complaint. The report shows no record of any bankruptcy filing under my name. I also contacted the Bankruptcy Court Listed on the Equifax Report and a court representative confirmed there is no bankruptcy filing associated with my name, Social Security number, date of birth, or any other personally identifiable information I provided. \n\nThe court further informed me that they do not report bankruptcy information to any consumer reporting agencies, including Equifax. Therefore, Equifax 's reporting of this bankruptcy is not only false, but lacks a verifiable public record source. \n\nI have disputed this information with Equifax directly, but the company has failed to remove or correct the inaccuracy. As a result, I am requesting the CFPB to investigate this matter and compel Equifax to : Immediately delete the inaccurate bankruptcy record from my credit file ; Provide me with written confirmation that this has been done ; Reinvestigate and verify all bankruptcy-related data before including it in any consumer 's file. \n\nViolations of the Fair Credit Reporting Act ( FCRA ) : Equifax 's actions constitute violations of the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to ensure maximum possible accuracy of the information contained in the consumer report.\n15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation after a consumer disputes information.\n\n15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Failure to promptly delete or modify inaccurate or unverifiable information.\n\n15 U.S.C. 1681n and 1681o Civil liability for willful or negligent noncompliance with FCRA requirements. \n\nI am a litigious consumer and will not hesitate to file a civil lawsuit for damages, costs, and attorneys fees if this matter is not resolved promptly and in full compliance with federal law. \n\nPlease see the attached copy of my XXXX report for further evidence supporting my claims. \n\nThank you for your prompt attention to this matter. I trust that your office will hold Equifax accountable for its obligations under the law. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-09-22T19:42:11.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92374","tags":null,"has_narrative":true,"complaint_id":"16079456","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-22T19:30:52.000Z","state":"CA","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["or modify inaccurate or unverifiable information.\n\n15 U.S.C. <em>1681n</em> and <em>1681o</em> Civil liability for willful or negligent noncompliance with FCRA requirements."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[22.323328,"16079456"]},{"_index":"complaint-public-v1","_id":"14280767","_score":22.317383,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this formal complaint against Equifax for knowingly and willfully reporting inaccurate and unverifiable negative information on my credit report, despite multiple disputes, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. \nDespite repeated attempts to dispute and correct the false information, Equifax has continued to report erroneous, incomplete, and outdated data, which has severely affected my creditworthiness, ability to obtain housing, credit, and even employment. This is not only unethical but a direct violation of FCRA guidelines, specifically : 15 U.S.C. 1681i ( a ) Failure to conduct a proper reinvestigation 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy 15 U.S.C. 1681c ( a ) Reporting obsolete information 15 U.S.C. 1681n & 1681o Willful and negligent noncompliance Below is a breakdown of the specific accounts being reported inaccurately : XXXX. XXXX Account Number : XXXXXXXX XXXX XXXX XXXX High Balance : {$290000.00} Date Opened : XX/XX/XXXX Issue : Late Payments Violation : This account reflects inaccurate late payments that are not backed by any verified documentation. No proper validation was ever provided despite prior disputes, which is a violation of 15 U.S.C. 1681i ( a ). \nLaw Reference : 1681i ( a ) : Equifax must conduct a reasonable reinvestigation if the accuracy of any information is disputed. \n1681e ( b ) : Equifax must ensure all reported data is accurate and up-to-date. \nStory : I have disputed this account multiple times as the reported late payments are erroneous. I requested validation and verification from Equifax, yet they failed to remove or correct the false reporting. This has severely damaged my credit profile and hindered financial opportunities. \nXXXX. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$30000.00} Date Opened : XX/XX/XXXX Issue : Late Payments Violation : Equifax failed to properly investigate my dispute regarding this account. The reported delinquencies are either outdated or not mine, and I was never provided sufficient proof from the furnisher. This is a clear violation of FCRA 1681i ( a ) and 1681e ( b ). \nLaw Reference : 1681i ( a ) : Entitles me to a reinvestigation if I dispute information. \n1681e ( b ) : Requires Equifax to ensure information is as accurate as possible. \n1681n : Willful failure to comply may result in statutory and punitive damages. \nStory : I formally disputed the account, but Equifax never provided proper documentation or a detailed response to my request for investigation. Instead, they continued reporting late payments, which has deeply impacted my credit score, resulting in loan denials and emotional distress. \nFinal Remarks : I have acted in good faith by submitting formal disputes, but Equifaxs failure to reinvestigate and correct these errors reflects willful neglect of federal law. These reporting errors have caused me significant financial hardship and mental anguish. \nI respectfully request that the CFPB conduct an immediate investigation into Equifaxs actions and require them to : XXXX. Permanently delete the inaccurate late payment history from the above accounts. \nXXXX. Conduct a thorough reinvestigation in compliance with FCRA 1681i ( a ). \nXXXX. Provide me with a full explanation and copies of any information used to verify these accounts. \nXXXX. Pay appropriate damages if violations are found.","date_sent_to_company":"2025-06-25T23:49:23.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"70454","tags":null,"has_narrative":true,"complaint_id":"14280767","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-25T23:47:13.000Z","state":"LA","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Law Reference : 1681i ( a ) : Entitles me to a reinvestigation if I dispute information. \n1681e ( b ) : Requires <em>Equifax</em> to ensure information is as accurate as possible. \n<em>1681n</em> : Willful failure to comply may result in statutory and punitive damages. \nStory : I formally disputed the account, but <em>Equifax</em> never provided proper documentation or a detailed response to my request for <em>investigation</em>."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[22.317383,"14280767"]},{"_index":"complaint-public-v1","_id":"14703031","_score":22.13187,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern : I, XXXX XXXX, am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding Equifax Information Services LLC for its repeated violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), failure to adhere to Metro 2 reporting standards, and bad faith non-responsiveness to multiple legally compliant disputes. Equifaxs actions, and inactions, have caused significant financial and reputational harm, including a documented XXXX drop in my credit score, denial of credit opportunities, and emotional distress. Background On, XX/XX/year> I submitted formal disputes to Equifax regarding multiple tradelines that contained material inaccuracies, unverifiable information, and Metro 2 reporting deficiencies. I provided detailed evidence supporting these claims and requested deletion or correction pursuant to FCRA 1681i ( a ) ( 1 ) ( A ). To date, Equifax has failed to : Conduct a lawful reinvestigation within the required 30-day statutory timeframe. Provide any written response or method of verification for the disputed information. Correct or delete the materially inaccurate data. This failure constitutes willful non-compliance under FCRA 1681n and 1681o and exposes Equifax to liability for actual, statutory, and punitive damages. Disputed Accounts ( Still Reporting Inaccurately ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX  Equifax Only ) Specific Violations Identified FCRA Violations : 1681e ( b ) Failure to maintain reasonable procedures to ensure maximum possible accuracy. 1681i ( a ) Failure to reinvestigate disputed information within 30 days. 1681i ( a ) ( 5 ) ( B ) Re-insertion of the XXXX XXXX XXXX XXXX without required consumer\n\nnotice after prior deletion. 1681s-2 ( b ) Furnishers failed to conduct reasonable investigations and correct errors. Metro 2 Data Reporting Violations : Failure to apply Compliance Condition Code XB during disputes. Improper or missing Date of First Delinquency ( DOFD ) causing unlawful re-aging. Reporting monthly payment amounts on charged-off accounts ( Metro 2 Field 24 violation ). Conflicting account closure statuses and inaccurate balances. Pennsylvania State Law Violations : 73 P.S. 201-3 ( Unfair Trade Practices and Consumer Protection Law ) Continuing to publish false and misleading information. 73 P.S. 2182 ( Credit Services Act ) Reporting unverifiable data to the detriment of the consumer.","date_sent_to_company":"2025-07-17T01:00:47.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19143","tags":null,"has_narrative":true,"complaint_id":"14703031","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-17T00:56:13.000Z","state":"PA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["To date, <em>Equifax</em> has <em>failed</em> to : Conduct a lawful reinvestigation within the required 30-day statutory timeframe. Provide any written response or method of verification for the disputed information. <em>Correct</em> or delete the materially inaccurate data. This failure constitutes willful non-<em>compliance</em> under FCRA <em>1681n</em> and <em>1681o</em> and exposes <em>Equifax</em> to liability for actual, statutory, and punitive damages."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[22.13187,"14703031"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":1198,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":1198}]}},"product":{"doc_count":1198,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":1173,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":1173}]}},{"key":"Debt collection","doc_count":18,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":15},{"key":"Auto debt","doc_count":1},{"key":"Credit card debt","doc_count":1},{"key":"Federal student loan debt","doc_count":1}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":6,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":6}]}},{"key":"Credit card","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":1}]}}]}},"issue":{"doc_count":1198,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with a company's investigation into an existing problem","doc_count":827,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":794},{"key":"Investigation took more than 30 days","doc_count":29},{"key":"Problem with personal statement of dispute","doc_count":2},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":1},{"key":"Was not notified of investigation status or results","doc_count":1}]}},{"key":"Incorrect information on your report","doc_count":241,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information belongs to someone else","doc_count":119},{"key":"Account information incorrect","doc_count":56},{"key":"Account status incorrect","doc_count":36},{"key":"Public record information inaccurate","doc_count":11},{"key":"Old information reappears or never goes away","doc_count":8},{"key":"Personal information incorrect","doc_count":8},{"key":"Information is missing that should be on the report","doc_count":3}]}},{"key":"Improper use of your report","doc_count":104,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report 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