{"took":145,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":91,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"11463330","_score":20.07891,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Once again, I submitted a dispute to Equifax regarding inaccuracies in my credit report, specifically concerning a XXXX XXXX XXXXXXXX account and an XXXX XXXX account and a XXXX XXXX  account. Once again, Equifax refused to process my dispute, claiming they were unable to authenticate my identity. \n\nThis response is entirely unfounded, as I previously submitted the same identity verification documents that were accepted by Equifax in XX/XX/year> when I requested my credit report. My identity was authenticated at that time, and my credit report was provided without issue. My address and other credentials have not changed. \n\nTo resolve this matter, I provided Equifax with multiple forms of identification, including a bank statement for proof of address, my state ID, my Social Security card, and even a notarized letter. Despite this, Equifax has failed to authenticate my identity and continues to refuse to process my dispute. \n\nThis refusal appears to be a deliberate attempt to circumvent their responsibilities under the Fair Credit Reporting Act ( FCRA ). Equifaxs actions deny me my legal right to dispute inaccuracies in my credit report and to have the information investigated and corrected as required by law. Violations : XXXX. Fair Credit Reporting Act ( FCRA ) : Failure to conduct a reasonable investigation of disputes. \nUnjustified refusal to process a dispute by claiming an inability to verify identity.","date_sent_to_company":"2025-01-10T23:34:22.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"19464","tags":null,"has_narrative":true,"complaint_id":"11463330","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-10T23:22:57.000Z","state":"PA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Equifaxs</em> actions deny me my legal right to dispute inaccuracies in my credit report and to have the information <em>investigated</em> and corrected as required by law. Violations : XXXX. Fair Credit Reporting Act ( FCRA ) : Failure to conduct a reasonable <em>investigation</em> of disputes. \nUnjustified <em>refusal</em> to process a dispute by claiming an inability to <em>verify</em> identity."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[20.07891,"11463330"]},{"_index":"complaint-public-v1","_id":"16478436","_score":19.172455,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB Complaint : Failure to Investigate After Verified Identity Willful Noncompliance ( Equifax ) Product : Credit reporting or other personal consumer reports Issue : Refusal to investigate despite verified identity and certified documentation Complaint Details : This complaint is being filed against Equifax Information Services LLC for refusing to conduct a lawful reinvestigation in violation of the Fair Credit Reporting Act ( FCRA ). I previously submitted a verified dispute through the CFPB under Complaint # XXXX, concerning inaccurate and misleading reporting by XXXX XXXX on my Equifax credit file. That complaint included certified proof of my identity and address a copy of my government-issued ID and utility bill which were mailed certified directly to Equifax with my original dispute. Despite receiving my certified documentation, Equifax closed my complaint without addressing any of the factual inaccuracies. They falsely claimed they still need to verify my identity, even though they have my information on file multiple times from prior certified mailings and through the CFPBs own verified system. Equifax continues to request additional copies of my identification even after I have mailed certified documentation multiple times. Meanwhile, they have never provided me with any documentation verifying that the XXXX XXXX account actually belongs to me. Under the FCRA and FDCPA, it is the credit bureaus and furnishers duty to verify the account not the consumers duty to repeatedly send personal identification. Equifaxs refusal to obtain and provide verification from the furnisher is a direct violation of FCRA 611 ( a ) and a deceptive practice. This repeated behavior shows bad faith and deliberate obstruction. Equifax is using the identity verification excuse to avoid investigating my valid dispute and correcting false data, which directly violates federal law. \nViolations : 1. FCRA 611 ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation once a consumer submits a dispute. 2. FCRA 611 ( a ) ( 2 ) Failure to review all relevant information provided by the consumer ( including my certified proof of identity ). 3. FCRA 611 ( a ) ( 5 ) Failure to delete unverifiable or inaccurate information. 4. FDCPA 809 ( b ) Failure to obtain and provide actual verification of the alleged debt from the furnisher. Equifaxs continued refusal to act after multiple verified mailings and CFPB submissions constitutes willful non-compliance and obstruction of my consumer rights under federal law. \nResolution Requested : - Immediate deletion of the inaccurate XXXX XXXX account from my Equifax report. - Written confirmation that this account will never be reinserted. - A full investigation by the CFPBs enforcement division into Equifaxs handling of verified disputes and its repeated misuse of identity verification requests to delay or avoid compliance. - Enforcement action or penalties if Equifax continues to ignore verified consumer disputes","date_sent_to_company":"2025-10-09T14:24:31.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77082","tags":null,"has_narrative":true,"complaint_id":"16478436","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-09T14:19:42.000Z","state":"TX","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["CFPB Complaint : Failure to <em>Investigate</em> After <em>Verified</em> Identity Willful Noncompliance ( <em>Equifax</em> ) Product : Credit reporting or other personal consumer reports Issue : <em>Refusal</em> to <em>investigate</em> despite <em>verified</em> identity and certified documentation Complaint Details : This complaint is being filed against <em>Equifax</em> Information Services LLC for refusing to conduct a lawful reinvestigation in violation of the Fair Credit Reporting Act ( FCRA )."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[19.172455,"16478436"]},{"_index":"complaint-public-v1","_id":"12678779","_score":18.417076,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally lodge a complaint against Equifax, one of the major credit reporting agencies, for repeatedly failing to provide me with the method of verification I have requested. I have contacted Equifax XXXX separate times in writing, explicitly requesting the method of verification for the information they have reported on my credit file. However, despite my repeated inquiries, Equifax has refused to provide any of the relevant details or documentation that I am entitled to under the Fair Credit Reporting Act ( FCRA ). \n\nUnder the FCRA, I have the right to dispute inaccurate information in my credit report and request verification of the data reported. Unfortunately, Equifax has failed to comply with this statutory obligation, which not only undermines my rights as a consumer but also constitutes a violation of the law.\n\nTo date, I have specifically requested the following method of verification information : The source ( s ) of the information reported in my credit file.\n\nThe contact information for the entities that provided this information to Equifax. \n\nDocumentation of any original data used to verify the information in my credit report. \n\nThe procedures employed by Equifax to verify the accuracy of the disputed information, including any supporting documents or evidence they relied on. \n\nDespite multiple attempts, Equifax has refused to provide these critical pieces of information, thereby obstructing my ability to effectively address or dispute any inaccuracies on my report. Their lack of transparency and refusal to comply with federal law is concerning, as it impacts my financial health and well-being. \n\nI request that the CFPB investigate this matter thoroughly and ensure that Equifax is held accountable for their failure to meet legal obligations under the FCRA. Equifax 's refusal to provide the method of verification is a clear violation of the consumer protection laws in place to ensure accuracy and fairness in credit reporting. \n\nI have attached copies of the correspondence I have sent to Equifax, as well as any responses I have received, to further support my claim. I kindly ask the CFPB to intervene and ensure that Equifax complies with the law and provides me with the necessary verification information I am entitled to. \n\nThank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue.","date_sent_to_company":"2025-03-26T22:05:51.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"023XX","tags":null,"has_narrative":true,"complaint_id":"12678779","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-26T21:58:59.000Z","state":"MA","company_public_response":null,"sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["Despite multiple attempts, <em>Equifax</em> has refused to provide these critical pieces of information, thereby obstructing my ability to effectively address or dispute any inaccuracies on my report. Their lack of transparency and <em>refusal</em> to comply with federal law is <em>concerning</em>, as it impacts my financial health and well-being. \n\nI request that the CFPB <em>investigate</em> this matter thoroughly and ensure that <em>Equifax</em> is held accountable for their failure to meet legal obligations under the FCRA."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[18.417076,"12678779"]},{"_index":"complaint-public-v1","_id":"13030378","_score":18.334545,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally file a complaint against the nationwide credit reporting agenciesEquifax, Experian, and TransUnionfor their repeated refusal to investigate my credit disputes. Despite submitting my disputes in good faith, directly and personally, each bureau has responded with stall letters suggesting that they \" believe my dispute requests are not coming from me. '' This is both incorrect and deeply concerning. \n\nI have taken the necessary steps to verify my identity with each submission, including providing government-issued identification and other supporting documentation to confirm my identity and the accuracy of my dispute. I am not using a credit repair organization or third-party representativethese disputes are being submitted by me personally as the affected consumer. \n\nThe repeated refusal to process my disputes violates the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to conduct a reasonable investigation of disputed information within 30 days of receiving a dispute. By continually dismissing my submissions without investigation or resolution, they are obstructing my right to accurate credit reporting and due process.","date_sent_to_company":"2025-04-16T14:31:02.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"752XX","tags":null,"has_narrative":true,"complaint_id":"13030378","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-16T14:30:37.000Z","state":"TX","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["I am writing to formally file a complaint against the nationwide credit reporting agencies<em>Equifax</em>, Experian, and TransUnionfor their repeated <em>refusal</em> to <em>investigate</em> my credit disputes. Despite submitting my disputes in good faith, directly and personally, each bureau has responded with stall letters suggesting that they \" believe my dispute requests are not coming from me. '' This is both incorrect and deeply <em>concerning</em>."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[18.334545,"13030378"]},{"_index":"complaint-public-v1","_id":"13016552","_score":18.334545,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally file a complaint against the nationwide credit reporting agenciesEquifax, Experian, and TransUnionfor their repeated refusal to investigate my credit disputes. Despite submitting my disputes in good faith, directly and personally, each bureau has responded with stall letters suggesting that they \" believe my dispute requests are not coming from me. '' This is both incorrect and deeply concerning. \n\nI have taken the necessary steps to verify my identity with each submission, including providing government-issued identification and other supporting documentation to confirm my identity and the accuracy of my dispute. I am not using a credit repair organization or third-party representativethese disputes are being submitted by me personally as the affected consumer. \n\nThe repeated refusal to process my disputes violates the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to conduct a reasonable investigation of disputed information within 30 days of receiving a dispute. By continually dismissing my submissions without investigation or resolution, they are obstructing my right to accurate credit reporting and due process.","date_sent_to_company":"2025-04-16T14:31:05.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"752XX","tags":null,"has_narrative":true,"complaint_id":"13016552","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-16T14:21:42.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["I am writing to formally file a complaint against the nationwide credit reporting agencies<em>Equifax</em>, Experian, and TransUnionfor their repeated <em>refusal</em> to <em>investigate</em> my credit disputes. Despite submitting my disputes in good faith, directly and personally, each bureau has responded with stall letters suggesting that they \" believe my dispute requests are not coming from me. '' This is both incorrect and deeply <em>concerning</em>."]},"sort":[18.334545,"13016552"]},{"_index":"complaint-public-v1","_id":"13016444","_score":18.334545,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally file a complaint against the nationwide credit reporting agenciesEquifax, Experian, and TransUnionfor their repeated refusal to investigate my credit disputes. Despite submitting my disputes in good faith, directly and personally, each bureau has responded with stall letters suggesting that they \" believe my dispute requests are not coming from me. '' This is both incorrect and deeply concerning. \n\nI have taken the necessary steps to verify my identity with each submission, including providing government-issued identification and other supporting documentation to confirm my identity and the accuracy of my dispute. I am not using a credit repair organization or third-party representativethese disputes are being submitted by me personally as the affected consumer. \n\nThe repeated refusal to process my disputes violates the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to conduct a reasonable investigation of disputed information within 30 days of receiving a dispute. By continually dismissing my submissions without investigation or resolution, they are obstructing my right to accurate credit reporting and due process.","date_sent_to_company":"2025-04-16T14:31:02.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"752XX","tags":null,"has_narrative":true,"complaint_id":"13016444","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-16T14:30:37.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["I am writing to formally file a complaint against the nationwide credit reporting agencies<em>Equifax</em>, Experian, and TransUnionfor their repeated <em>refusal</em> to <em>investigate</em> my credit disputes. Despite submitting my disputes in good faith, directly and personally, each bureau has responded with stall letters suggesting that they \" believe my dispute requests are not coming from me. '' This is both incorrect and deeply <em>concerning</em>."]},"sort":[18.334545,"13016444"]},{"_index":"complaint-public-v1","_id":"11949983","_score":17.878231,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal complaint against Equifax for failure to properly investigate and my complaint and provide proof of hard inquiry disputes as well as failure to correct personal information after proof was provided. \n\nDear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Equifax regarding their handling of my dispute concerning unauthorized hard inquiries and inaccurate address reporting on my credit report. I believe Equifax has violated my rights under the Fair Credit Reporting Act ( FCRA ) by failing to properly investigate my dispute and provide verification of the inquiries as required by law. I have disputed this issue online, by certified mail and I have called. \nThe disputes are XXXX. XX/XX/year> XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXXXXXX XXXX. XX/XX/year> XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX. XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX On XX/XX/year>, I submitted a formal dispute to Equifax via certified mail, contesting three hard inquiries that appeared on my credit report without my authorization. Additionally, I disputed an incorrect address listed on my report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), Equifax is required to conduct a reasonable investigation and provide verifiable proof of the disputed information within 30 days.\n\nEquifax responded by stating that the inquiries had been \" verified '' by the companies in question, but they failed to provide any documented proof of my authorization of the inquiries. When I contacted Equifax to request this proof, a supervisor informed me that Equifax does not provide such documentation to consumers. This refusal contradicts FCRA Section 609 ( a ) ( 1 ), which entitles consumers to all information in their file at the time of request, including documentation used to verify disputed items. \nAs a result of these unauthorized inquiries, I have been denied credit by XXXX XXXX, citing \" too many inquiries '' as the reason for my denial. Although I have a credit score of XXXX with Equifax, this has caused financial harm to me, impacting my ability to obtain credit and damaging my creditworthiness unfairly. \nI request that the CFPB investigate Equifaxs failure to comply with federal regulations, including : Equifaxs failure to provide verifiable proof that I authorized these hard inquiries.\n\nEquifaxs failure to conduct a proper reinvestigation under FCRA Section 611.\n\nEquifaxs refusal to provide the supporting documentation used to \" verify '' the disputed inquiries.\n\nThe impact of Equifaxs negligence on my creditworthiness and financial standing.","date_sent_to_company":"2025-02-05T13:28:01.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77033","tags":null,"has_narrative":true,"complaint_id":"11949983","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-05T13:00:57.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Equifaxs</em> <em>refusal</em> to provide the supporting documentation used to \" <em>verify</em> '' the disputed inquiries.\n\nThe impact of <em>Equifaxs</em> negligence on my creditworthiness and financial standing."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[17.878231,"11949983"]},{"_index":"complaint-public-v1","_id":"13636278","_score":17.693604,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Over 30 days ago I sent in a dispute letter to EQUIFAX, legally challenging to accuracy, ownership and reporting of accounts on my credit report. I provided them a copy of my pay stub showing my complete social secuirty number for Identification, my divers license verifying my current and only address. On XX/XX/XXXX the sent me a letter in the mail stating they had recived my requiest concerning inaccurate information but were unable able to locate my file in the database with my information provided. They are now asking for me to resubmit all the information to identify myslef and verify my address. This I believe is just a refusal to investigate and delay this process. Below are the accounts that I requested investigation 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","date_sent_to_company":"2025-05-21T21:05:06.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"495XX","tags":null,"has_narrative":true,"complaint_id":"13636278","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-21T20:48:21.000Z","state":"MI","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX the sent me a letter in the mail stating they had recived my requiest <em>concerning</em> inaccurate information but were unable able to locate my file in the database with my information provided. They are now asking for me to resubmit all the information to identify myslef and <em>verify</em> my address. This I believe is just a <em>refusal</em> to <em>investigate</em> and delay this process. Below are the accounts that I requested <em>investigation</em> XXXX."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[17.693604,"13636278"]},{"_index":"complaint-public-v1","_id":"15101487","_score":17.050224,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this formal complaint against EQUIFAX due to its continuous failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i ( a ) concerning the duty to conduct a reasonable reinvestigation of disputed information, and 15 U.S.C. 1681e ( b ), which requires EQUIFAX to maintain procedures that assure the maximum possible accuracy of the information reported. Despite my multiple dispute letters submitted in writing, EQUIFAX has neglected to perform a lawful and thorough reinvestigation of the accounts I challenged.\n\nUnder FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), EQUIFAX is legally obligated to provide a detailed description of the procedures used during their investigation, commonly referred to as the Method of Verification. However, my requests for this verification have been met with insufficient and vague responses that fail to detail how EQUIFAX verified the disputed information. This lack of transparency and the use of template responses instead of a factual investigation indicates a violation of EQUIFAXs statutory obligations and undermines the integrity of my consumer rights. \n\nAdditionally, EQUIFAXs continued reporting of inaccurate, outdated, and unverifiable information constitutes a direct violation of FCRA 1681e ( b ). By failing to ensure that reasonable procedures were followed to maintain maximum possible accuracy, EQUIFAX has directly impacted my credit profile, leading to adverse decisions by lenders and other third parties. Their refusal to correct or remove erroneous data, despite clear documentation provided, reflects a systematic failure in their compliance processes. Their continued pattern of neglect and non-compliance with federally mandated consumer protections not only violates my rights under the FCRA but also causes tangible harm to my financial standing. Regulatory enforcement action is warranted to ensure EQUIFAX adheres to its legal responsibilities.","date_sent_to_company":"2025-08-05T14:31:53.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"90008","tags":null,"has_narrative":true,"complaint_id":"15101487","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-05T14:16:45.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["However, my requests for this <em>verification</em> have been met with insufficient and vague responses that fail to detail how <em>EQUIFAX</em> <em>verified</em> the disputed information. This lack of transparency and the use of template responses instead of a factual <em>investigation</em> indicates a violation of <em>EQUIFAXs</em> statutory obligations and undermines the integrity of my consumer rights."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[17.050224,"15101487"]},{"_index":"complaint-public-v1","_id":"14992040","_score":16.9357,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Re : Formal Complaint Against Equifax Refusal to Remove Identity Theft Account and Blockage of Documentation Submission Additionally, I spoke with an Equifax representative named XXXX on XX/XX/year>. During this call, I was informed that I could not submit any supporting documents for my active dispute, and that Equifax has no other process for accepting such documents. This refusal directly impedes my ability to provide evidence supporting my identity theft claim. \nDear CFPB, I am filing a formal complaint against Equifax Information Services LLC for failing to remove a fraudulent account from my credit report, despite clear evidence of identity theft and multiple prior disputes.This account has already been removed by XXXX  and XXXX  following their investigations and proper handling of my identity theft documentation. I have disputed the same account three times with Equifax, but they continue to verify it as accurate.Even more concerning, Equifax is now falsely reporting that I never disputed the account, which is completely inaccurate.I recently attempted to dispute it a third time and tried to upload my supporting documentation ( FTC Identity Theft Report, proof of identity ), but the online portal would not allow uploads. I called Equifax and was told that I can not upload documents to an active dispute, and that they will not accept them by any other method. This prevents me from properly supporting my claim and violates my rights under the Fair Credit Reporting Act ( FCRA ) .At this point, I am no longer asking for another investigation. This account has already been proven fraudulent by two other credit bureaus and should have been removed long ago.I am requesting the CFPB to take immediate action and require Equifax to : - Permanently delete the fraudulent account from my credit report without further delay or investigation.- Correct all reporting related to this dispute, including removing any claim that I never disputed the account.- Confirm the account has been removed in writing.I have attached : - My dispute letter to Equifax- FTC Identity Theft Report- Proof of identity and address- Thank you for assisting in resolving this long-standing and improperly handled identity theft matter.Sincerely, XXXX XXXX","date_sent_to_company":"2025-07-31T22:27:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"46268","tags":null,"has_narrative":true,"complaint_id":"14992040","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-31T22:15:41.000Z","state":"IN","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I have disputed the same account three times with <em>Equifax</em>, but they continue to <em>verify</em> it as accurate.Even more <em>concerning</em>, <em>Equifax</em> is now falsely reporting that I never disputed the account, which is completely inaccurate.I recently attempted to dispute it a third time and tried to upload my supporting documentation ( FTC Identity Theft Report, proof of identity ), but the online portal would not allow uploads."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[16.9357,"14992040"]},{"_index":"complaint-public-v1","_id":"7957860","_score":16.891705,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally lodge a complaint against Equifax, detailing a concerning experience I recently encountered while attempting to update my information. I followed their prescribed document request process, supplying a utility bill with my current service address and a Social Security Card with the complete 9-digit number. \n\nDespite my compliance with their documented requirements, I faced a discrepancy in the verification process. Initially on a phone call I was assured that my information had been updated, I encountered resistance when I sought further clarification from the representative from today XX/XX/2023. The agent insisted on the submission of my ID and his refusal to escalate the matter to a manager or higher authority exacerbated the situation. \n\nI trust that the Consumer Financial Protection Bureau will investigate this matter thoroughly. It is my sincere hope that discriminatory practices are not at play, as such treatment contradicts the experiences of those within my network. No one I know has encountered similar obstacles, and I believe it is imperative for Equifax to address this discrepancy promptly. \n\nYour attention to this matter is greatly appreciated, and I trust the Consumer Financial Protection Bureau will ensure Equifax 's adherence to fair and consistent procedures.","date_sent_to_company":"2023-12-07T04:21:41.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"76067","tags":null,"has_narrative":true,"complaint_id":"7957860","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-12-07T04:07:09.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I am writing to formally lodge a complaint against <em>Equifax</em>, detailing a <em>concerning</em> experience I recently encountered while attempting to update my information. I followed their prescribed document request process, supplying a utility bill with my current service address and a Social Security Card with the complete 9-digit number. \n\nDespite my compliance with their documented requirements, I faced a discrepancy in the <em>verification</em> process."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[16.891705,"7957860"]},{"_index":"complaint-public-v1","_id":"13629666","_score":16.263247,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This complaint concerns several pieces of inaccurate personal information being reported on my Equifax credit report that I have previously disputed without resolution. Equifax is continuing to list the name XXXX XXXX as a former name and is also reporting an employer, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, with an original hire datenone of which is accurate, verifiable, or belongs anywhere near my credit file. I have never gone by the name XXXX XXXX, nor have I ever been employed by or had any contact with XXXX XXXX. These errors are highly concerning and are causing unnecessary confusion and misidentification when it comes to my credit profile. \n\nEquifax has failed in its duty to maintain the integrity of my consumer file and reinvestigate disputed items thoroughly. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a proper reinvestigation within 30 days of a dispute. Furthermore, under 15 U.S.C. 1681e ( b ), they are obligated to follow reasonable procedures to ensure maximum possible accuracy. The presence of these unrelated names and employers suggests either gross negligence or possible contamination of my file due to a past data breachsomething Equifax has a documented history of failing to address adequately. \n\nRecent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light serious concerns regarding Equifaxs handling of consumer disputes. In a lawsuit filed against them, the CFPB alleged Equifax conducted sham investigations and repeatedly failed to meet the investigative standards mandated by law. Equifax 's ongoing refusal to verify and remove these inaccuracies demonstrates the same type of noncompliance.","date_sent_to_company":"2025-05-21T01:52:00.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92707","tags":null,"has_narrative":true,"complaint_id":"13629666","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-21T01:40:00.000Z","state":"CA","company_public_response":null,"sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["In a lawsuit filed against them, the CFPB alleged <em>Equifax</em> conducted sham <em>investigations</em> and repeatedly failed to meet the <em>investigative</em> standards mandated by law. <em>Equifax</em> 's ongoing <em>refusal</em> to <em>verify</em> and remove these inaccuracies demonstrates the same type of noncompliance."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[16.263247,"13629666"]},{"_index":"complaint-public-v1","_id":"13374116","_score":16.155268,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Rebuttal to Equifax Response Failure to Comply with FCRA 1681g and 1681i Dear CFPB Officer, I am writing in response to Equifax Information Services LLCs reply dated XX/XX/XXXX, regarding my original complaint concerning Equifaxs refusal to investigate or verify disputed information reported in my credit file. I respectfully assert that Equifaxs actions and their stated justification are legally deficient, factually misleading, and in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). \n\n1. Equifaxs Refusal to Investigate Based on Identity Documents is Misleading and Unlawful Equifaxs response claims it was unable to locate a credit file unless I provide a Social Security Number ( SSN ), full address, date of birth, and multiple forms of documentation. This requirement contradicts the provisions of 15 U.S.C. 1681g ( a ), which states that a consumer reporting agency must clearly and accurately disclose to the consumer all information in the consumers file at the time of the request, using reasonable identification. \n\nNowhere in the FCRA is a consumer required to provide a Social Security Number or multiple government-issued documents to obtain their credit report. The law explicitly uses the term reasonable, not exhaustive, and courts have held that the burden to verify identity must be balanced against the consumers rights to access and correct inaccurate data XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nBy insisting on excessive documentationparticularly when Equifax is actively furnishing derogatory information under my nameEquifax is effectively denying me access to challenge or correct my own credit file, in violation of both 1681g ( access to file ) and 1681i ( duty to reinvestigate disputed information ). \n\n\n\n2. Contradiction Between Their Claim and Public Records Equifax claims it can not locate a file under my name due to no recent activity or lack of SSN, yet continues to furnish credit data to third parties that impact my creditworthiness. This contradiction reveals either : Equifax is knowingly reporting unverifiable or misattributed data, or Equifax does in fact have a file, but is willfully refusing to disclose itan act that may constitute willful noncompliance under 15 U.S.C. 1681n.\n\nEither scenario results in harm to me as a consumer and violates my right to transparency and due process under the law. \n\n\n\n3. Unlawful Burden Shifting and Denial of Consumer Protections Equifaxs recommendation to contact the other two credit bureaus is a red herring. The FCRA imposes independent obligations on each credit reporting agency to : Provide access to ones file, Conduct a reinvestigation when a dispute is submitted, Remove inaccurate, unverified, or incomplete information within 30 days. \n\nEquifax can not legally defer its responsibilities to XXXX XXXX XXXX \n\n\n\nRequest for CFPB Action Given these failures, I respectfully request that the CFPB direct Equifax to : 1. Promptly disclose the full contents of any file they maintain under my name, pursuant to 1681g ; 2. Conduct a reinvestigation of the disputed entries I have challenged, pursuant to 1681i ; 3. Cease any further dissemination of disputed or unverifiable data until proper verification has been completed ; 4. Be held accountable under 1681n and 1681o for any willful or negligent refusal to comply with federal law. \n\nEquifaxs behavior, as documented, denies me fundamental protections under the FCRA and represents a pattern of obstruction that undermines the integrity of the credit reporting system. I remain committed to resolving this matter lawfully and respectfully, and I ask the CFPB to ensure that Equifax meets its obligations to me and to every consumer it serves.","date_sent_to_company":"2025-05-06T23:58:40.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"23513","tags":null,"has_narrative":true,"complaint_id":"13374116","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-06T23:54:54.000Z","state":"VA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Subject : Rebuttal to <em>Equifax</em> Response Failure to Comply with FCRA 1681g and 1681i Dear CFPB Officer, I am writing in response to <em>Equifax</em> Information Services LLCs reply dated XX/XX/XXXX, regarding my original complaint <em>concerning</em> <em>Equifaxs</em> <em>refusal</em> to <em>investigate</em> or <em>verify</em> disputed information reported in my credit file."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[16.155268,"13374116"]},{"_index":"complaint-public-v1","_id":"10345724","_score":16.145096,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint regarding an issue I encountered with Equifax in relation to the status of an important document sent by the XXXX XXXX  on XX/XX/year>. \n\nOn XX/XX/year>, I spoke with a representative named XXXX at Equifax, seeking to verify the receipt of a letter that was supposed to update my credit information. This letter was sent by XXXX XXXX, but Equifax has failed to acknowledge its receipt or take appropriate action to update my credit report accordingly. \n\nDuring the conversation, I requested that XXXX escalate the matter or create a case to investigate why the letter had not been received or processed, and asked for confirmation of the status of the update. However, XXXX refused to escalate the issue, create a case, or provide me with a satisfactory response. The refusal to investigate this matter is deeply concerning, as it is crucial for my financial well-being that my credit report be updated with accurate and timely information. \n\nAs a consumer, I am protected under the Fair Credit Reporting Act ( FCRA ), which obligates credit reporting agencies, such as Equifax, to ensure the accuracy and integrity of the information they maintain. The FCRA also grants me the right to dispute incomplete or inaccurate information and requires the credit bureau to investigate disputes in a timely manner ( typically within 30 days ). I believe that Equifax is in violation of these requirements by refusing to address my concerns and investigate the missing information. \n\nI kindly request the CFPB to intervene and ensure that Equifax complies with its legal obligations under the FCRA, specifically regarding : An investigation into the whereabouts of the letter sent by the XXXX XXXX on XX/XX/year> and why it was not processed by Equifax. \nPrompt escalation of my case to ensure my credit report reflects accurate and updated information. \nXXXX that Equifax will adhere to the FCRA and promptly resolve this matter. \nThis situation has caused me undue stress, and I am eager to see it resolved as soon as possible. \n\nThank you for your assistance in this matter. I look forward to hearing from you regarding the next steps. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-10-04T22:29:11.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"35802","tags":null,"has_narrative":true,"complaint_id":"10345724","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-10-04T22:14:11.000Z","state":"AL","company_public_response":null,"sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["The <em>refusal</em> to <em>investigate</em> this matter is deeply <em>concerning</em>, as it is crucial for my financial well-being that my credit report be updated with accurate and timely information. \n\nAs a consumer, I am protected under the Fair Credit Reporting Act ( FCRA ), which obligates credit reporting agencies, such as <em>Equifax</em>, to ensure the accuracy and integrity of the information they maintain."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[16.145096,"10345724"]},{"_index":"complaint-public-v1","_id":"11445281","_score":15.979778,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint Against Equifax and XXXX for FCRA Violations Regarding Authorized User Account To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ), I am filing this complaint against Equifax and XXXX regarding their failure to address inaccuracies in my credit report and their handling of my dispute concerning a closed XXXX  account. I was listed as an authorized user on this account, which clearly indicates I am not legally responsible for payments. Despite this, Equifax has refused to delete the account from my credit report, and XXXX has refused to remove my name from the account, violating the Fair Credit Reporting Act ( FCRA ). \n\nBackground : The XXXX account in question was closed many years ago, and we no longer have access to the account or credit card. However, Equifax continues to report the account, and when I disputed it, Equifax responded that the item was verified as belonging to me. This response is inconsistent with the facts, as the credit report itself clearly states that I was merely an authorized user and not the account holder or legally responsible party. \n\nAdditionally, I contacted XXXX to request removal of my name from the account. XXXX refused to do so, stating that only the primary account holder can remove my name. However, as the account is closed, neither I nor the account holder has access to make such changes. This refusal compounds the issue and leaves inaccurate and irrelevant information on my credit report. \n\nAlso XXXX used to report this account as \" authorized user '' as well, but I disputed it and got it removed from my XXXX credit report. \n\nEquifax and XXXX have violated several provisions of the FCRA, including but not limited to the following : 1. 605 ( a ) Accurate Reporting : Equifax is required to report only accurate information. Reporting the XXXX account as belonging to me despite my authorized user status is inaccurate and misleading.\n\n2. 611 ( a ) ( 1 ) ( A ) Reasonable Investigation of Disputes : When I disputed the account, Equifax failed to conduct a reasonable investigation. The statement that the account was verified as belonging to me disregards the clear evidence that I am not legally responsible for this account.\n\n3. 611 ( a ) ( 5 ) ( A ) Duty to Delete Inaccurate Information : If Equifax can not verify the accuracy of disputed information, it is required to delete it. By refusing to delete the account after failing to properly investigate, Equifax violated this provision. \n\n4. 623 ( a ) ( 3 ) Duty to Notify and Investigate Disputed Information : XXXX, as the furnisher of the information, is required to conduct a reasonable investigation when notified of a dispute. Their refusal to remove my name from the account demonstrates a failure to meet this obligation.\n\n5. 605B Blocking Information Related to Identity or Inaccuracy Issues : Although not fraudulent, the principle of blocking information irrelevant to my credit liability applies here. As an authorized user, I should not be held liable, and the account should not negatively affect my credit report.\n\n6. 611 ( b ) Reinvestigation Procedures : Equifax failed to follow proper reinvestigation procedures and instead provided a generic verified as belonging to you response without substantiating their findings.\n\nI respectfully request the CFPBs assistance in addressing the following : 1.Immediate Deletion of the XXXX Account XXXX Equifax must remove the account from my credit report as it is inaccurate and unverifiable.\n\n2.Review of Investigation Procedures : Ensure Equifax complies with the FCRA by conducting thorough investigations into disputes, especially when discrepancies like my authorized user status are evident. \n\nXXXX. Account Removal by XXXX XXXX XXXX must update their records and remove my name from the account.\n\n4.Compliance Measures : Implement safeguards to ensure XXXX and Equifax follow FCRA regulations for accurate Thank you for your attention to this matter. I trust that the CFPB will take appropriate action to hold Equifax accountable and ensure compliance with the FCRA.\n\nSincerely, Attachments : Copy of my credit reports showing the disputed XXXX account and its authorized user status. \n\nCorrespondence with Equifax regarding my dispute.","date_sent_to_company":"2025-01-10T01:10:02.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"97140","tags":null,"has_narrative":true,"complaint_id":"11445281","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-10T00:47:30.000Z","state":"OR","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["By refusing to delete the account after failing to properly <em>investigate</em>, <em>Equifax</em> violated this provision. \n\n4. 623 ( a ) ( 3 ) Duty to Notify and <em>Investigate</em> Disputed Information : XXXX, as the furnisher of the information, is required to conduct a reasonable <em>investigation</em> when notified of a dispute."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[15.979778,"11445281"]},{"_index":"complaint-public-v1","_id":"13977219","_score":15.918537,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This is my second formal complaint to the Consumer Financial Protection Bureau regarding Equifax Information Services, XXXX and their continued refusal to accurately report my credit information. \n\nOn multiple occasions, I have submitted disputes to Equifax concerning inaccurately reported late payments on my credit report. With each dispute, I included clear and credible documentation proving the payments were made on time, such as : Statements and billing confirmations Screenshots or copies of payment confirmations XXXX and supporting documents to verify my identity and address Despite this, Equifax continues to report these accounts as delinquent, and they have failed to properly investigate or correct the record. Instead, they responded by simply claiming the information was verified by the creditoryet they have provided absolutely no documentation or proof of this so-called verification, despite my explicit demand under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) for : a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available. \n\nFirst CFPB Complaint Ignored I previously filed a complaint with the CFPB on XX/XX/year>, and even submitted my government-issued ID and a utility bill, but the CFPB closed XXXX complaint stating Equifax could not verify my identity. That response was both baseless and insulting, as my documentation was complete and valid. \n\nContinued Noncompliance This pattern of failure by Equifax is not just negligent ; it is a violation of the Fair Credit Reporting Act, specifically : 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to provide method of verification when consumer requests it At this point, it is clear Equifax is failing to uphold its legal obligations and acting in bad faith. If this issue is not escalated and resolved by the CFPB, I will have no choice but to pursue civil litigation against both Equifax and the furnishing creditors for failing to : Conduct reasonable investigations Provide proper notice and verification Ensure accurate consumer reporting I am fully prepared to take legal action if necessary. This complaint should be taken seriously and acted upon immediately.","date_sent_to_company":"2025-06-09T21:42:09.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60803","tags":null,"has_narrative":true,"complaint_id":"13977219","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-09T21:20:29.000Z","state":"IL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This is my second formal complaint to the Consumer Financial Protection Bureau regarding <em>Equifax</em> Information Services, XXXX and their continued <em>refusal</em> to accurately report my credit information. \n\nOn multiple occasions, I have submitted disputes to <em>Equifax</em> <em>concerning</em> inaccurately reported late payments on my credit report."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[15.918537,"13977219"]},{"_index":"complaint-public-v1","_id":"15712906","_score":15.426992,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Company Complained About : Equifax Information Services XXXX LLC XXXX. XXXX XXXX XXXX, GA XXXX Date of Incident : XX/XX/year> ( date on Equifax letter ) Summary of the Issue : I submitted a valid dispute to Equifax concerning inaccurate information being reported on my credit report by the following furnishers : XXXX XXXX XXXX Account ending in XXXX XXXXXXXX XXXX XXXX XXXX Account ending in XXXX XXXX XXXXXXXX XXXX XXXX Account ending in XXXX XXXX Instead of conducting a proper reinvestigation as required under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), Equifax sent me a letter ( attached ) dated XX/XX/year>, stating that they considered my dispute \" frivolous '' and would not research it further. \n\nThe letter falsely claims I have disputed these items twice within the last 90 days and failed to provide new relevant information. This is inaccurate and misleading. I provided clear documentation showing the inaccuracies and specifically requested that Equifax verify the accounts by providing : The method of verification used, including the name and title of the person who verified the account. \n\nFull documentation from the furnishers, including any chain of title, assignment agreements, and original signed contracts. \n\nVerification of whether the debt had been securitized or sold, along with any supporting records. \n\nDouble-entry accounting records proving the existence and balance of the alleged debt. \n\nEquifax completely ignored these requests and instead issued a generic, dismissive letter. By doing so, they failed to fulfill their statutory duty to conduct a reasonable investigation and to provide the results of that investigation, in violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 6 ).\n\nHow This Has Harmed Me : Equifax 's failure to investigate has caused ongoing harm, including : Defamation of character due to inaccurate and unverified negative items remaining on my credit report. \n\nDenial of creditworthiness, resulting in potential denials of credit, higher interest rates, and damaged financial opportunities. \n\nEmotional distress and frustration due to Equifax 's refusal to follow federal law and provide transparency. \n\nThese inaccurate accounts continue to report and harm my credit profile every month, exacerbating the damage. \n\nRequested Resolution : I am requesting that the CFPB take action to ensure that Equifax : Conducts a proper reinvestigation of the disputed accounts in compliance with 15 U.S.C. 1681i. \n\nProvides a complete method of verification including : Name and title of the person who verified the debts. \n\nCopies of all documentation provided by the furnishers. \n\nACDB logs or equivalent system records used during verification. \n\nRemoves the inaccurate accounts from my credit report if the furnishers can not produce legally sufficient evidence of the debts. \n\nStops sending form letters that dismiss valid disputes without investigation. \n\nCompensates me for damages, including but not limited to statutory damages under the FCRA, for willful noncompliance. \n\nAttached Documentation : Copy of Equifaxs letter dated XX/XX/year>. \n\nCopies of my original disputes sent to Equifax. \n\nSupporting evidence showing inaccuracies in the reported accounts.","date_sent_to_company":"2025-09-04T20:29:54.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33579","tags":null,"has_narrative":true,"complaint_id":"15712906","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-04T20:25:42.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["How This Has Harmed Me : <em>Equifax</em> 's failure to <em>investigate</em> has caused ongoing harm, including : Defamation of character due to inaccurate and unverified negative items remaining on my credit report. \n\nDenial of creditworthiness, resulting in potential denials of credit, higher interest rates, and damaged financial opportunities. \n\nEmotional distress and frustration due to <em>Equifax</em> 's <em>refusal</em> to follow federal law and provide transparency."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[15.426992,"15712906"]},{"_index":"complaint-public-v1","_id":"12655681","_score":14.825944,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"PREVIOUS CLOSED COMLAINT XXXX EQUIFAX USNG STALLING TACTIC TO AVOID UPDATING MY CREDIT REPORT. \n\nI am following up regarding my formal dispute concerning inaccurate bankruptcy reporting on my XXXX credit file. Your recent response claiming that you \" could not locate a file '' is unacceptable, inaccurate, and an obvious stall tactic intended to avoid your legal responsibilities under the Fair Credit Reporting Act ( FCRA ). \n\nI have an active credit file with XXXX containing open tradelines, and prior communications from your organization confirm this fact. Therefore, your continued claim that you can not locate my record is disingenuous and a violation of FCRA 1681i ( a ) ( 3 ) ( A ), which prohibits credit bureaus from refusing to investigate disputes without a legitimate reason.\n\nFurthermore, I have confirmed directly with the United States Bankruptcy Court for the XXXX XXXX XXXX XXXX, XXXX Division that the court does not verify bankruptcy records with any credit reporting agency. Bankruptcy courts do not furnish information to XXXX, nor do they confirm or deny data reported by third-party entities. Therefore, any so-called verification by XXXX is invalid unless directly sourced from the court which is impossible per the court 's official statement. \n\nEquifax and XXXX have both deleted the bankruptcy records from my credit reports after reviewing the same evidence. This proves the record is unverifiable, and XXXX is now the only bureau failing to comply with the FCRA by continuing to dodge proper investigation and removal. \n\nApplicable Violations and Legal Standards : 1. FCRA 1681e ( b ) Maximum Possible Accuracy : Continuing to report dismissed or unverifiable bankruptcies violates your duty to maintain maximum possible accuracy. Reporting unverifiable public records misrepresents my creditworthiness.\n\n2. FCRA 1681i ( a ) ( 5 ) Failure to Properly Investigate Disputes : Your failure to verify with the source the court is a clear breach of the FCRA. Your refusal to delete this unverifiable item demonstrates failure to perform a reasonable investigation. \n\nXXXX. XXXX ( XXXX XXXX ) Reporting Standards : As a member of the XXXX XXXX XXXX XXXX, XXXX is obligated to report only accurate and verifiable public records. You are in violation of these standards. \n\n4. FCRA 1681n & 1681o Willful and Negligent Non-Compliance : Continued refusal to correct or delete unverifiable information exposes XXXX to statutory and punitive damages for willful or negligent non-compliance. \n\n5. FCRA 1681i ( a ) ( 3 ) ( A ) Refusal to Reinvestigate Without Reason : Your repeated claim that you \" can not locate a record '' is a stall tactic and violates this provision. It is unlawful to refuse investigation unless there is a clear, factual basis which you do not have. \n\n\n\nFINAL DEMAND : I hereby demand that XXXX : Immediately delete the inaccurate and unverifiable bankruptcy record from my credit file Cease all further claims that you can not locate my file this is false, misleading, and unlawful Provide written confirmation of permanent deletion within 15 days Failure to comply will result in an immediate complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential civil action seeking damages under the FCRA. \n\nRespectfully,","date_sent_to_company":"2025-03-25T00:01:49.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30310","tags":null,"has_narrative":true,"complaint_id":"12655681","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-24T23:54:47.000Z","state":"GA","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["FCRA 1681i ( a ) ( 5 ) Failure to Properly <em>Investigate</em> Disputes : Your failure to <em>verify</em> with the source the court is a clear breach of the FCRA. Your <em>refusal</em> to delete this unverifiable item demonstrates failure to perform a reasonable <em>investigation</em>. \n\nXXXX. XXXX ( XXXX XXXX ) Reporting Standards : As a member of the XXXX XXXX XXXX XXXX, XXXX is obligated to report only accurate and verifiable public records. You are in violation of these standards. \n\n4."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[14.825944,"12655681"]},{"_index":"complaint-public-v1","_id":"15196354","_score":14.735484,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Follow-Up Complaint - Equifax Willful and Negligent Noncompliance Under Federal Law Re : XXXXXXXX XXXX To Whom It May Concern, This is a follow-up complaint concerning Equifaxs failure to comply with federal law, including multiple provisions of the Fair Credit Reporting Act ( FCRA ), as well as violations of consumer protection responsibilities. Despite receiving valid identity documents and a certified Method of Verification ( MOV ) request, Equifax has failed to respond in accordance with the law. \n\nAdditionally, I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) more than 15 days ago, and Equifax has failed to respond to that complaint as well. This lack of action indicates a pattern of disregard not only for consumer rights, but also for federal regulatory obligations. \n\nThe MOV I requested should already exist in Equifaxs system, as the reinvestigation was completed. There is no legal justification for requiring multiple requests to obtain information that must be on file according to federal law. \n\nThe following legal grounds apply : 1. FCRA 611 ( a ) ( 7 ) Failure to provide the Method of Verification within 15 days 2. FCRA 611 ( a ) ( 5 ) Failure to delete unverified or unverifiable information 3. FCRA 609 ( a ) ( 1 ) Failure to provide all file information to the consumer upon request 4. FCRA 623 ( b ) ( 1 ) Failure to correct or delete inaccurate or incomplete information after notification of dispute 5. FCRA 616 Civil liability for willful noncompliance with the FCRA 6. FCRA 617 Civil liability for negligent noncompliance with the FCRA 7. FCRA 602 Congressional findings and statement of purpose : consumer protections must be fair and equitable 8. FCRA 603 Definition of 'consumer report ' and 'consumer reporting agency ' Equifax is legally bound to the obligations of a CRA 9 . 15 U.S. Code 1681s2 Duties of furnishers of information to provide accurate data and cooperate with investigations 10. 15 U.S. Code 45 ( FTC Act Section 5 ) Prohibits unfair or deceptive acts or practices affecting commerce, including systemic failure to process consumer verification requests Equifaxs refusal to provide the required MOV and failure to acknowledge the existing CFPB complaint clearly reflects willful and negligent noncompliance. This conduct has directly harmed my legal rights and obstructed the ability to review and challenge the accuracy of information in my credit file.","date_sent_to_company":"2025-08-10T17:02:16.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11418","tags":null,"has_narrative":true,"complaint_id":"15196354","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-10T16:23:21.000Z","state":"NY","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Subject : Follow-Up Complaint - <em>Equifax</em> Willful and Negligent Noncompliance Under Federal Law Re : XXXXXXXX XXXX To Whom It May Concern, This is a follow-up complaint <em>concerning</em> <em>Equifaxs</em> failure to comply with federal law, including multiple provisions of the Fair Credit Reporting Act ( FCRA ), as well as violations of consumer protection responsibilities."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[14.735484,"15196354"]},{"_index":"complaint-public-v1","_id":"13541942","_score":14.402607,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute and Demand for Investigation FCRA Violations, Improper Reinsertion, and Inaccurate Reporting To Whom It May Concern, This letter is a formal dispute and second demand for response regarding serious issues with my credit file that remain unaddressed. On XXXX XXXX also XXXX XXXX I submitted a complaint via certified mail concerning a reinserted item that was added to my credit report without proper notification, in clear violation of the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 5 ) ( B ). Equifax has not provided a written explanation within XXXX ( XXXX ) business days of reinsertion, as required by law. \n\nAdditionally, Equifax has recently added an account \" XXXX '' which a debt collector \" XXXX '' is asking for me to pay them for this alleged debt after hours at XXXX which is a FDCPA violation this account is filled with inaccuracies : Inaccurate closing dates Incorrect or misleading payment history No evidence that the alleged account or debt is valid or accurate I previously requested the method of verification for this account and specifically asked : 1. What documents or records were used to verify the accuracy of the account?\n\n2. Who at Equifax conducted the investigation, and whom did they speak with at the data furnishing company?\n\n3. Why was the item verified as accurate if the information clearly conflicts with available documentation? \n4. What did they say, what time did they speak, what number did they call?\n\nTo date, Equifax has refused to remove the inaccurate account and failed to provide any of the information I lawfully requested. This is a direct violation of my rights under the FCRA, including but not limited to : 611 ( 15 U.S. Code 1681i ) : Failure to conduct a reasonable reinvestigation 607 ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy 611 ( a ) ( 7 ) : Failure to provide description of the procedure used to determine the accuracy and completeness of the information I am now demanding the following : 1. Immediate removal of the disputed account and any reinserted item ( s ) unless full documentation and source verification can be provided.\n\n2. A written explanation outlining the method of verification used in this matter. \nXXXX. A list of documents reviewed, and the names and contact details of the entities or individuals Equifax communicated with during the investigation.\n\n4. A corrected copy of my credit report reflecting all accurate and verifiable information.\n\nPlease understand that your ongoing refusal to address these concerns and failure to follow FCRA guidelines may subject Equifax to liability. If I do not receive a satisfactory response within XXXX calendar days, I will proceed with formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals office. I am also prepared to pursue all available legal remedies. \n\nFor your reference, I have enclosed a copy of my certified mail receipt, prior correspondence, and identifying documentation. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-05-15T23:18:44.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60621","tags":null,"has_narrative":true,"complaint_id":"13541942","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-15T23:18:18.000Z","state":"IL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["What documents or records were used to <em>verify</em> the accuracy of the account?\n\n2. Who at <em>Equifax</em> conducted the <em>investigation</em>, and whom did they speak with at the data furnishing company?\n\n3. Why was the item <em>verified</em> as accurate if the information clearly conflicts with available documentation? \n4. What did they say, what time did they speak, what number did they call?\n\nTo date, <em>Equifax</em> has refused to remove the inaccurate account and failed to provide any of the information I lawfully requested."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[14.402607,"13541942"]},{"_index":"complaint-public-v1","_id":"13541938","_score":14.402607,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute and Demand for Investigation FCRA Violations, Improper Reinsertion, and Inaccurate Reporting To Whom It May Concern, This letter is a formal dispute and second demand for response regarding serious issues with my credit file that remain unaddressed. On XXXX XXXX also XXXX XXXX I submitted a complaint via certified mail concerning a reinserted item that was added to my credit report without proper notification, in clear violation of the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 5 ) ( B ). Equifax has not provided a written explanation within XXXX ( XXXX ) business days of reinsertion, as required by law. \n\nAdditionally, Equifax has recently added an account \" XXXX '' which a debt collector \" XXXX '' is asking for me to pay them for this alleged debt after hours at XXXX which is a FDCPA violation this account is filled with inaccuracies : Inaccurate closing dates Incorrect or misleading payment history No evidence that the alleged account or debt is valid or accurate I previously requested the method of verification for this account and specifically asked : 1. What documents or records were used to verify the accuracy of the account?\n\n2. Who at Equifax conducted the investigation, and whom did they speak with at the data furnishing company?\n\n3. Why was the item verified as accurate if the information clearly conflicts with available documentation? \n4. What did they say, what time did they speak, what number did they call?\n\nTo date, Equifax has refused to remove the inaccurate account and failed to provide any of the information I lawfully requested. This is a direct violation of my rights under the FCRA, including but not limited to : 611 ( 15 U.S. Code 1681i ) : Failure to conduct a reasonable reinvestigation 607 ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy 611 ( a ) ( 7 ) : Failure to provide description of the procedure used to determine the accuracy and completeness of the information I am now demanding the following : 1. Immediate removal of the disputed account and any reinserted item ( s ) unless full documentation and source verification can be provided.\n\n2. A written explanation outlining the method of verification used in this matter. \nXXXX. A list of documents reviewed, and the names and contact details of the entities or individuals Equifax communicated with during the investigation.\n\n4. A corrected copy of my credit report reflecting all accurate and verifiable information.\n\nPlease understand that your ongoing refusal to address these concerns and failure to follow FCRA guidelines may subject Equifax to liability. If I do not receive a satisfactory response within XXXX calendar days, I will proceed with formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals office. I am also prepared to pursue all available legal remedies. \n\nFor your reference, I have enclosed a copy of my certified mail receipt, prior correspondence, and identifying documentation. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-05-15T23:18:45.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60621","tags":null,"has_narrative":true,"complaint_id":"13541938","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-15T23:18:18.000Z","state":"IL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["What documents or records were used to <em>verify</em> the accuracy of the account?\n\n2. Who at <em>Equifax</em> conducted the <em>investigation</em>, and whom did they speak with at the data furnishing company?\n\n3. Why was the item <em>verified</em> as accurate if the information clearly conflicts with available documentation? \n4. What did they say, what time did they speak, what number did they call?\n\nTo date, <em>Equifax</em> has refused to remove the inaccurate account and failed to provide any of the information I lawfully requested."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[14.402607,"13541938"]},{"_index":"complaint-public-v1","_id":"13541270","_score":14.402607,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute and Demand for Investigation FCRA Violations, Improper Reinsertion, and Inaccurate Reporting To Whom It May Concern, This letter is a formal dispute and second demand for response regarding serious issues with my credit file that remain unaddressed. On XXXX XXXX also XXXX XXXX I submitted a complaint via certified mail concerning a reinserted item that was added to my credit report without proper notification, in clear violation of the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 5 ) ( B ). Equifax has not provided a written explanation within XXXX ( XXXX ) business days of reinsertion, as required by law. \n\nAdditionally, Equifax has recently added an account \" XXXX '' which a debt collector \" XXXX '' is asking for me to pay them for this alleged debt after hours at XXXX which is a FDCPA violation this account is filled with inaccuracies : Inaccurate closing dates Incorrect or misleading payment history No evidence that the alleged account or debt is valid or accurate I previously requested the method of verification for this account and specifically asked : 1. What documents or records were used to verify the accuracy of the account?\n\n2. Who at Equifax conducted the investigation, and whom did they speak with at the data furnishing company?\n\n3. Why was the item verified as accurate if the information clearly conflicts with available documentation? \n4. What did they say, what time did they speak, what number did they call?\n\nTo date, Equifax has refused to remove the inaccurate account and failed to provide any of the information I lawfully requested. This is a direct violation of my rights under the FCRA, including but not limited to : 611 ( 15 U.S. Code 1681i ) : Failure to conduct a reasonable reinvestigation 607 ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy 611 ( a ) ( 7 ) : Failure to provide description of the procedure used to determine the accuracy and completeness of the information I am now demanding the following : 1. Immediate removal of the disputed account and any reinserted item ( s ) unless full documentation and source verification can be provided.\n\n2. A written explanation outlining the method of verification used in this matter. \nXXXX. A list of documents reviewed, and the names and contact details of the entities or individuals Equifax communicated with during the investigation.\n\n4. A corrected copy of my credit report reflecting all accurate and verifiable information.\n\nPlease understand that your ongoing refusal to address these concerns and failure to follow FCRA guidelines may subject Equifax to liability. If I do not receive a satisfactory response within XXXX calendar days, I will proceed with formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals office. I am also prepared to pursue all available legal remedies. \n\nFor your reference, I have enclosed a copy of my certified mail receipt, prior correspondence, and identifying documentation. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-05-15T23:18:45.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60621","tags":null,"has_narrative":true,"complaint_id":"13541270","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-15T22:58:44.000Z","state":"IL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["What documents or records were used to <em>verify</em> the accuracy of the account?\n\n2. Who at <em>Equifax</em> conducted the <em>investigation</em>, and whom did they speak with at the data furnishing company?\n\n3. Why was the item <em>verified</em> as accurate if the information clearly conflicts with available documentation? \n4. What did they say, what time did they speak, what number did they call?\n\nTo date, <em>Equifax</em> has refused to remove the inaccurate account and failed to provide any of the information I lawfully requested."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[14.402607,"13541270"]},{"_index":"complaint-public-v1","_id":"11997578","_score":14.293356,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To : Consumer Financial Protection Bureau ( CFPB ) Subject : Follow-Up Complaint Equifax Wrongfully Marking Disputes as Frivolous Despite Proof of Inaccuracies Dear Consumer Financial Protection Bureau , I am filing this complaint against Equifax for their refusal to conduct a proper reinvestigation of disputed items on my credit report. Equifax has wrongfully marked my recent disputes as frivolous despite the submission of new supporting information and documentation of multiple inaccuracies. Furthermore, XXXX has already deleted similar inaccurate accounts after proper investigations. \n\nThis issue is particularly concerning given Equifaxs current legal scrutiny by the CFPB for violations of the Fair Credit Reporting Act ( FCRA ). I am requesting immediate intervention to ensure compliance with the FCRA and correction of the inaccurate items. \n\nAccounts in Dispute 1. XXXX XXXX Account Ending in XXXX 2. XXXX ( XXXX ) Account Ending in XXXX Previous Complaint History with Equifax 1 . Complaint ID : XXXX ( XXXX XXXX ) Equifax verified the account without addressing the multiple inconsistencies in balances, dates, and payment history. \n2. Complaint ID : XXXX ( XXXX XXXX and XXXX ) Equifax again verified these accounts inaccurately, despite removal by XXXX and XXXX. \n3. Recent Response ( XX/XX/year> ) Equifax marked my new disputes as frivolous and refused to conduct any further investigation. \n\nFCRA Violations by Equifax 1. FCRA 1681e ( b ) Failure to Ensure Accuracy : Equifax is required to ensure maximum possible accuracy of the information in my credit report. The presence of inaccurate information, inconsistent balances, and discrepancies in payment history demonstrates a failure to meet this obligation. \n2. FCRA 1681i ( a ) ( 1 ) Failure to Conduct a Reasonable Reinvestigation : Equifax wrongfully classified my recent disputes as frivolous despite new information and proof of inaccuracies. Under this section, Equifax is obligated to conduct a thorough reinvestigation of disputed items, particularly when new evidence is presented. \n3. FCRA 1681s-2 ( b ) Failure to Ensure Furnisher Accuracy : Equifax has not ensured that the furnishers provided accurate and verifiable information during their investigations. This is evident in the ongoing inconsistencies across credit bureaus. \n4. Failure to Provide Verification Documentation : Equifax failed to provide verifiable proof of accuracy, such as original account agreements or transaction histories, as required under FCRA 1681i ( a ) ( 6 ). \n\nSpecific Inaccuracies and Harm 1. XXXX XXXX ( Account Ending in XXXX ) : The payment history, balance updates, and charge-off dates are inconsistent with those reported by XXXX, where the account has been removed. \nNo verification documents have been provided to substantiate the accuracy of the reported balance or charge-off. \n2. XXXX ( Account Ending in XXXX ) : Inconsistent reporting of balances, dates of last activity, and charge-off amounts. XXXX deleted this account, but Equifax continues to report it inaccurately without verification. \n\nConsumer Harm The continued presence of these inaccurate accounts has caused significant harm to my creditworthiness, including : Denied Credit Opportunities : Due to negative marks on my Equifax report. \nHigher Interest Rates : On existing and future loans. \nEmotional Distress and Anxiety : From the ongoing disputes and improper handling by Equifax. \n\nRequested Actions 1. Immediate Deletion of the Inaccurate Accounts : Remove the inaccurate XXXX XXXX and XXXX accounts from my Equifax credit report, as they contain multiple inaccuracies and have been deleted by other credit bureaus. \n2. Conduct a Proper Reinvestigation : Perform a comprehensive reinvestigation under FCRA 1681i ( a ), including a review of the newly submitted information. \n3. Provide Verification Documentation : If Equifax continues to claim the accounts are accurate, provide all verification documents, such as signed agreements or transaction histories. \n4. Compensation for Damages : Equifaxs repeated failure to address these issues has caused financial harm and emotional distress. I am requesting compensation under the FCRA for actual and statutory damages. \n\nSupporting Documentation Attached : 1. Dispute results from XXXX, confirming the deletion of the accounts. \n2. Credit report excerpts highlighting discrepancies in reporting across credit bureaus. \n\nRelevance of Current CFPB Actions Against Equifax Given the CFPBs ongoing legal action against Equifax for systemic violations of the FCRA, including failure to properly investigate disputes and ensure accurate reporting, I believe my case further exemplifies their ongoing noncompliance. I respectfully request that the CFPB investigate Equifaxs handling of this matter and impose the necessary corrective actions. \n\nThank you for your attention to this complaint. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-02-08T06:59:10.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"38125","tags":null,"has_narrative":true,"complaint_id":"11997578","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-08T06:29:51.000Z","state":"TN","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Complaint ID : XXXX ( XXXX XXXX ) <em>Equifax</em> <em>verified</em> the account without addressing the multiple inconsistencies in balances, dates, and payment history. \n2. Complaint ID : XXXX ( XXXX XXXX and XXXX ) <em>Equifax</em> again <em>verified</em> these accounts inaccurately, despite removal by XXXX and XXXX. \n3. Recent Response ( XX/XX/year> ) <em>Equifax</em> marked my new disputes as frivolous and refused to conduct any further <em>investigation</em>. \n\nFCRA Violations by <em>Equifax</em> 1."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[14.293356,"11997578"]},{"_index":"complaint-public-v1","_id":"8765953","_score":13.528557,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing this complaint in response to Equifax and Experians response to the previous disputes regarding accounts I sent notices disputing the accuracy and legality of the following accounts : XXXX XXXX, XXXX. ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. ( XXXX XXXX  ), XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX accounts that were previously disputed due to failure of adhering to the following United States Codes : 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) and 15 USC 1681i ( 5 ) ( b ) ( i ) but Equifax and Experians responded to the disputes with Updated and alleged verification but failed to provide certified documentation regarding the alleged verification. Equifax responded they basically will not re-investigate my disputes and updated my consumer report to reflect the accounts as accurate or verified.\n\nThe industry standard is sending an automated customer dispute verification form ( \" ACDV '' ). Once a consumer disputes an entry in the credit report, consumer reporting agencies forward an ACDV describing the dispute to the original source. The original source verifies the disputed information by checking a box on the ACDV form indicating the adverse account is accurate.\n\nThe first issue I have with this inadequate procedure is that it violates 15 USC 1681 ( e ) - which states : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. ( \" However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. '' ) Basically, every time Equifax and XXXX contacted a creditor regarding the information on my consumer report was a violation. \nConsumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers according to 15 USC 1681 ( a ) ( 3 ) and 15 USC 1681 ( a ) ( 4 ) states There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.\n\nEquifax and Experians inadequate reasonable procedure to ensure accuracy and fairness according to 15 USC 1681b- Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.\n\nA form sent through a database with boxes to check off does not sound like a reasonable procedure nor does it sound like it is accurate or fair. If we take a look at the Federal court case of XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, et al where a jury ruled in the plaintiffs favor based on XXXX refusal to modify the re- investigation procedures. Do I need to initiate a federal court case in order to have these account removed and be rewarded {$270000.00} for punitive damages? If we take a look at XXXX vs. Equifax Information Services LLC we can conclude that the court ruled in the consumers favor due to the consumer reporting agencies failed to conduct a reasonable investigation. I have faith the consumer reporting agencies will remedy this situation by providing the certified documentation used in the dispute process or delete the above mentioned accounts immediately.","date_sent_to_company":"2024-04-13T21:34:59.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33511","tags":null,"has_narrative":true,"complaint_id":"8765953","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-04-13T21:21:18.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["1681i ( 5 ) ( b ) ( i ) but <em>Equifax</em> and Experians responded to the disputes with Updated and alleged <em>verification</em> but failed to provide certified documentation regarding the alleged <em>verification</em>."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[13.528557,"8765953"]},{"_index":"complaint-public-v1","_id":"10700306","_score":13.231265,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting a formal complaint against XXXX, Equifax and XXXX XXXX XXXX XXXX for failing to comply with the Fair Credit Reporting Act ( FCRA ) requirements under 15 U.S.C. 1681, specifically concerning the verification of an alleged debt on my credit report. Despite my request for validation, these entities have not satisfied their legal obligations to verify and substantiate the accuracy of this negative information. \n\nOn XX/XX/year>, I sent a letter to XXXX XXXX XXXX XXXX requesting debt validation, including the full account history, documentation supporting the charge-off date, and proof that the negative reporting aligned with FCRA standards for accuracy and fairness. In accordance with 15 U.S.C. 1681e ( b ), which requires furnishers to ensure maximum accuracy, I asked the Credit Union to provide the following : 1. A comprehensive account history with all payments, charges, and delinquencies.\n\n2. Documentation supporting the charge-off date and the 48 months of negative reporting.\n\n3. Verification that the reported information complies with FCRA standards for fairness and accuracy.\n\nThe Credit Union responded but failed to provide any supporting documentation, citing an issue with my address despite it being correct and matching the one on my letter. This refusal to substantiate the debt and verify its accuracy violates their responsibilities under FCRA 611 and 623 ( a ) ( 1 ) ( B ). \n\nIn addition, XXXX reinserted this disputed item on my credit report, claiming it had been verified, without ensuring the necessary validation. This violates the reinvestigation requirements under FCRA XXXX ( a ) ( XXXX ) ( B ), which obligates credit bureaus to ensure data accuracy and to confirm verification from furnishers. XXXX action of reinserting unverifiable information further fails to meet FCRA standards. \n\nEnclosed with this complaint are : A copy of my original letter sent to XXXX XXXX XXXX XXXX on XX/XX/year>. \nA copy of their response, which fails to provide any documentation substantiating the alleged debt. \n\nI respectfully request that the Consumer Financial Protection Bureau : 1. Investigate XXXX XXXX XXXX XXXX and XXXX for their failure to provide verification as required under the FCRA. \n2. Mandate the immediate removal of this unverifiable account from my XXXX AND Equifax credit report. \n3. Hold both entities accountable for their failure to comply with federal reporting laws and any applicable penalties for non-compliance. \n\nDue to the clear failure to verify this alleged debt in compliance with the FCRA, I am seeking full removal of this account from my credit report. I trust the CFPB will intervene to protect consumers from unlawful reporting practices that affect credit scores and financial stability. \n\nThank you for your immediate attention to this matter.","date_sent_to_company":"2024-11-05T20:46:18.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"28210","tags":null,"has_narrative":true,"complaint_id":"10700306","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-11-05T20:46:03.000Z","state":"NC","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am submitting a formal complaint against XXXX, <em>Equifax</em> and XXXX XXXX XXXX XXXX for failing to comply with the Fair Credit Reporting Act ( FCRA ) requirements under 15 U.S.C. 1681, specifically <em>concerning</em> the <em>verification</em> of an alleged debt on my credit report. Despite my request for validation, these entities have not satisfied their legal obligations to <em>verify</em> and substantiate the accuracy of this negative information."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[13.231265,"10700306"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":91,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":91}]}},"product":{"doc_count":91,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":81,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":81}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":8,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":8}]}},{"key":"Credit reporting","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Debt collection","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":1}]}}]}},"issue":{"doc_count":91,"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":46,"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":31},{"key":"Was not notified of investigation status or results","doc_count":7},{"key":"Investigation took more than 30 days","doc_count":5},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":2},{"key":"Problem with personal statement of dispute","doc_count":1}]}},{"key":"Incorrect information on your report","doc_count":31,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account information incorrect","doc_count":10},{"key":"Account status incorrect","doc_count":7},{"key":"Information belongs to someone else","doc_count":7},{"key":"Public record information inaccurate","doc_count":5},{"key":"Personal information incorrect","doc_count":2}]}},{"key":"Improper use of your report","doc_count":9,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":9}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Investigation took more than 30 days","doc_count":1},{"key":"Their investigation did not fix an error on your report","doc_count":1}]}},{"key":"Credit reporting company's investigation","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with statement of dispute","doc_count":1}]}},{"key":"Problem with fraud alerts or security freezes","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Took or threatened to take negative or legal action","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Threatened or suggested your credit would be damaged","doc_count":1}]}}]}},"timely":{"doc_count":91,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":91}]}},"company_response":{"doc_count":91,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with non-monetary relief","doc_count":46},{"key":"Closed with explanation","doc_count":45}]}},"submitted_via":{"doc_count":91,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":91}]}},"company":{"doc_count":91,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"EQUIFAX, INC.","doc_count":67},{"key":"Experian Information Solutions Inc.","doc_count":13},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":8},{"key":"GOLDMAN SACHS BANK USA","doc_count":1},{"key":"Resurgent Capital Services L.P.","doc_count":1},{"key":"T.S. 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