{"took":324,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1945,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"11462950","_score":18.703888,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint against Equifax due to their failure to investigate and resolve inaccuracies on my credit report. On XX/XX/year>, I mailed a dispute letter to Equifax requesting an investigation into inaccurate items appearing on my credit report. In addition, I disputed incorrect personal information listed in my credit file. To aid in verifying my identity, I included a copy of my photo ID, social security card, and a recent bank statement with my current address. \nDespite my detailed and valid request, Equifax has failed to provide any investigation result. It has now been more than 30 days since my submission, and no communication or resolution has been provided. \nAccording to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. \nEquifaxs inaction and failure to respond to my dispute appear to be a direct violation of this requirement and deny me my consumer rights. \nI am including a copy of my dispute letter sent to Equifax as evidence to support my claim.","date_sent_to_company":"2025-01-10T20:21:48.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"29926","tags":null,"has_narrative":true,"complaint_id":"11462950","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-10T20:16:59.000Z","state":"SC","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["I am writing to file a <em>formal</em> complaint against <em>Equifax</em> due to their failure to <em>investigate</em> and resolve inaccuracies on my <em>credit</em> <em>report</em>. On XX/XX/year>, I mailed a <em>dispute</em> letter to <em>Equifax</em> requesting an <em>investigation</em> into inaccurate <em>items</em> appearing on my <em>credit</em> <em>report</em>. In addition, I <em>disputed</em> incorrect personal information listed in my <em>credit</em> file. To aid in verifying my identity, I included a copy of my photo ID, social security card, and a recent bank <em>statement</em> with my current address."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company":["<em>EQUIFAX</em>, INC."],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[18.703888,"11462950"]},{"_index":"complaint-public-v1","_id":"10039467","_score":18.700977,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Dispute of Inaccurate Credit Reporting and Request for Investigation Details account ; XXXX XXXX # # XXXX Dear Equifax, I am writing to formally dispute the inaccurate information being reported on my credit report by XXXX XXXX. I submitted a dispute through the Consumer Financial Protection Bureau ( CFPB ) XXXX on XX/XX/2024, and received notification on XX/XX/2024, that Equifax had completed the investigation. \n\nI am concerned about the thoroughness and accuracy of this investigation, given that it was completed in only four days. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, Equifax is required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the item from the file before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute. \n\nI am holding Equifax accountable for not conducting a proper investigation and for continuing to report inaccurate late payments and an inaccurate loan balance, despite the proof I provided with my previous dispute. Equifax did not use my information to conduct a proper investigation. I demand that Equifax remove this inaccurate and inconsistent account from my credit report immediately. \n\nI request that Equifax provide a detailed explanation of how this investigation was conducted, including : The specific steps taken during the investigation. \nThe entities or individuals Equifax contacted as part of the investigation. \nThe criteria used to determine the accuracy of the information reported by XXXX XXXX. \nHow Equifax was able to complete this investigation in such a short time frame. \nDespite the completion of this investigation, XXXX XXXX is still reporting an inaccurate balance and inaccurate late payments on my account. This continued reporting of incorrect information is causing significant harm to my credit score and financial well-being. \n\nBy law, I am also requesting a statement of dispute to be included in my credit file, as per 15 U.S. Code 1681i ( b ), which mandates that a consumer reporting agency must include a statement of dispute in the consumers file if the reinvestigation does not resolve the dispute. The statement of dispute should read as follows : This account is currently under dispute due to inaccurate reporting of the loan balance and late payments. The consumer has provided proof to Equifax, which was not properly considered during the investigation. The consumer demands the removal of this inaccurate and inconsistent account from their credit report. \n\nIf Equifax refuses to add a statement of dispute or remove the inaccurate account, I will seek legal action against Equifax. \n\nI urge Equifax to re-investigate this matter thoroughly and ensure that all inaccurate information is corrected or removed from my credit report. Please provide me with a written response detailing the actions taken to address this dispute. \n\nThank you for your prompt attention to this matter.","date_sent_to_company":"2024-09-06T21:18:18.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"34747","tags":null,"has_narrative":true,"complaint_id":"10039467","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-06T21:10:29.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Subject : <em>Dispute</em> of Inaccurate <em>Credit</em> <em>Reporting</em> and Request for <em>Investigation</em> Details account ; XXXX XXXX # # XXXX Dear <em>Equifax</em>, I am writing to <em>formally</em> <em>dispute</em> the inaccurate information being <em>reported</em> on my <em>credit</em> <em>report</em> by XXXX XXXX. I submitted a <em>dispute</em> through the Consumer Financial Protection Bureau ( CFPB ) XXXX on XX/XX/2024, and received notification on XX/XX/2024, that <em>Equifax</em> had completed the <em>investigation</em>."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company":["<em>EQUIFAX</em>, INC."],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[18.700977,"10039467"]},{"_index":"complaint-public-v1","_id":"13911660","_score":18.624437,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Equifax is reporting multiple derogatory items on my credit report that are inaccurate and unverified. I have formally disputed the information and have not received proper documentation or investigation. \nXXXX XXXX XXXX and XXXX XXXX are both reporting accounts without contract evidence or original billing statements. \nXXXX XXXX is incorrectly reporting late payments. \nEquifax is also showing unauthorized hard inquiries by companies I never applied with ( including XXXX, XXXXXXXX XXXX  and XXXX XXXX XXXX which violate FCRA 604.\n\nEquifax has not complied with FCRA 609 ( a ) or 611, and Im requesting immediate deletion of all disputed accounts and inquiries.","date_sent_to_company":"2025-06-05T23:48:25.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"775XX","tags":null,"has_narrative":true,"complaint_id":"13911660","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-05T23:45:02.000Z","state":"TX","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>Equifax</em> is <em>reporting</em> multiple derogatory <em>items</em> on my <em>credit</em> <em>report</em> that are inaccurate and unverified. I have <em>formally</em> <em>disputed</em> the information and have not received proper documentation or <em>investigation</em>. \nXXXX XXXX XXXX and XXXX XXXX are both <em>reporting</em> accounts without contract evidence or original billing <em>statements</em>. \nXXXX XXXX is incorrectly <em>reporting</em> late payments."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"company":["<em>EQUIFAX</em>, INC."],"sub_product":["<em>Credit</em> reporting"]},"sort":[18.624437,"13911660"]},{"_index":"complaint-public-v1","_id":"14536179","_score":18.558907,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint Against Equifax FCRA Violations, Identity Theft, and Improper Use of Automated Dispute Systems ( e-OSCAR ) Complaint Summary : I am filing this complaint against Equifax for ongoing violations of the Fair Credit Reporting Act ( FCRA ), specifically related to their failure to conduct a manual and meaningful reinvestigation of fraudulent and inaccurate items on my credit report. Despite multiple disputes and supporting documentation, Equifax has relied on automated dispute processing systems such as e-OSCAR, which do not satisfy the legal requirements for thorough investigations under 15 U.S.C. 1681i ( a ).\n\nManual Investigation Request Statement : I am formally requesting that all disputed items on my Equifax credit report undergo a manual reinvestigation, as required under the FCRA. Automated systems like e-OSCAR are not capable of properly evaluating the complexity of identity theft cases or verifying documentation such as : FTC Identity Theft Reports Police Reports FCRA 605C Self-Attestation Statements Supporting affidavits and dispute narratives I am requesting written confirmation that Equifax : Did not rely solely on e-OSCAR or automated verification tools. \n\nManually reviewed all supporting documentation I submitted. \n\nContacted each furnisher individually with my specific allegations.\n\nVerified whether furnishers conducted a proper FCRA 1681s-2 investigation.\n\nFailure to complete a manual investigation and failure to notify me of the method of verification for each account is a violation of FCRA 611 ( a ) ( 7 ).\n\nAdditional Violations and Timeline : On XX/XX/2025, I filed my first complaintEquifax closed it without adequately addressing my concerns. \n\nOn XX/XX/2025, I re-submitted additional evidence, and the investigation again concluded with a generic non-monetary relief response. \n\nOn XX/XX/2025, I provided more documentation via a phone-submitted CFPB complaint. Equifax responded on XX/XX/2025 without detailing verification steps or providing names of furnishers involved. \n\nDespite repeated documentation and proof of identity theft, including multiple FTC reports and law enforcement case numbers, Equifax continues to report disputed, inaccurate, or unverifiable data.","date_sent_to_company":"2025-07-10T02:20:15.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30315","tags":null,"has_narrative":true,"complaint_id":"14536179","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-10T02:15:08.000Z","state":"GA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Despite multiple <em>disputes</em> and supporting documentation, <em>Equifax</em> has relied on automated <em>dispute</em> processing systems such as e-OSCAR, which do not satisfy the legal requirements for thorough <em>investigations</em> under 15 U.S.C. 1681i ( a ).\n\nManual <em>Investigation</em> Request <em>Statement</em> : I am <em>formally</em> requesting that all <em>disputed</em> <em>items</em> on my <em>Equifax</em> <em>credit</em> <em>report</em> undergo a manual reinvestigation, as required under the FCRA."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"company":["<em>EQUIFAX</em>, INC."],"sub_product":["<em>Credit</em> reporting"]},"sort":[18.558907,"14536179"]},{"_index":"complaint-public-v1","_id":"12184410","_score":18.46828,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Equifax, Experian TransUnion and for failing to properly investigate and remove inaccurate, unverifiable, and negative items from my credit report. Despite my dispute and request for verification under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, the credit bureau has failed to provide appropriate investigation findings and has not supplied any documentation proving the accuracy of the disputed items. \n\nDetails of My Dispute On XX/XX/XXXX, I submitted a dispute letter to Equifax, Experian TransUnion, requesting an investigation into several negative items on my credit report.\n\nUnder the FCRA, 15 U.S.C. 1681i, the credit bureau was required to conduct a thorough investigation and provide supporting documentation from the original creditor verifying the accuracy of the reported items.\n\nInstead of providing proper verification, Equifax, Experian TransUnion responded with a generic statement that the items had been verified without supplying any proof, account agreements, or creditor documentation as required by FCRA Section 609 ( 15 U.S.C. 1681g ). \nThe failure to provide this information constitutes a violation of my consumer rights under the FCRA. \n\nViolations Committed by [ Credit Bureau Name ] 1. Failure to Conduct a Proper Investigation ( FCRA 611, 15 U.S.C. 1681i ) The credit bureau did not conduct a reasonable investigation","date_sent_to_company":"2025-02-23T16:24:23.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"28412","tags":null,"has_narrative":true,"complaint_id":"12184410","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-23T16:23:57.000Z","state":"NC","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Dear Consumer Financial Protection Bureau, I am filing a <em>formal</em> complaint against <em>Equifax</em>, Experian TransUnion and for failing to properly <em>investigate</em> and remove inaccurate, unverifiable, and negative <em>items</em> from my <em>credit</em> <em>report</em>."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company":["<em>EQUIFAX</em>, INC."],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[18.46828,"12184410"]},{"_index":"complaint-public-v1","_id":"12184419","_score":18.464895,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Equifax, Experian TransUnion and for failing to properly investigate and remove inaccurate, unverifiable, and negative items from my credit report. Despite my dispute and request for verification under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, the credit bureau has failed to provide appropriate investigation findings and has not supplied any documentation proving the accuracy of the disputed items. \n\nDetails of My Dispute On XX/XX/XXXX, I submitted a dispute letter to Equifax, Experian TransUnion, requesting an investigation into several negative items on my credit report.\n\nUnder the FCRA, 15 U.S.C. 1681i, the credit bureau was required to conduct a thorough investigation and provide supporting documentation from the original creditor verifying the accuracy of the reported items.\n\nInstead of providing proper verification, Equifax, Experian TransUnion responded with a generic statement that the items had been verified without supplying any proof, account agreements, or creditor documentation as required by FCRA Section 609 ( 15 U.S.C. 1681g ). \nThe failure to provide this information constitutes a violation of my consumer rights under the FCRA. \n\nViolations Committed by [ Credit Bureau Name ] 1. Failure to Conduct a Proper Investigation ( FCRA 611, 15 U.S.C. 1681i ) The credit bureau did not conduct a reasonable investigation","date_sent_to_company":"2025-02-23T16:24:23.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"28412","tags":null,"has_narrative":true,"complaint_id":"12184419","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-23T15:56:50.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Dear Consumer Financial Protection Bureau, I am filing a <em>formal</em> complaint against <em>Equifax</em>, Experian TransUnion and for failing to properly <em>investigate</em> and remove inaccurate, unverifiable, and negative <em>items</em> from my <em>credit</em> <em>report</em>."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[18.464895,"12184419"]},{"_index":"complaint-public-v1","_id":"12180712","_score":18.455975,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Equifax, Experian TransUnion and for failing to properly investigate and remove inaccurate, unverifiable, and negative items from my credit report. Despite my dispute and request for verification under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, the credit bureau has failed to provide appropriate investigation findings and has not supplied any documentation proving the accuracy of the disputed items. \n\nDetails of My Dispute On XX/XX/XXXX, I submitted a dispute letter to Equifax, Experian TransUnion, requesting an investigation into several negative items on my credit report.\n\nUnder the FCRA, 15 U.S.C. 1681i, the credit bureau was required to conduct a thorough investigation and provide supporting documentation from the original creditor verifying the accuracy of the reported items.\n\nInstead of providing proper verification, Equifax, Experian TransUnion responded with a generic statement that the items had been verified without supplying any proof, account agreements, or creditor documentation as required by FCRA Section 609 ( 15 U.S.C. 1681g ). \nThe failure to provide this information constitutes a violation of my consumer rights under the FCRA. \n\nViolations Committed by [ Credit Bureau Name ] 1. Failure to Conduct a Proper Investigation ( FCRA 611, 15 U.S.C. 1681i ) The credit bureau did not conduct a reasonable investigation","date_sent_to_company":"2025-02-23T16:24:22.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"28412","tags":null,"has_narrative":true,"complaint_id":"12180712","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-23T16:23:57.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Dear Consumer Financial Protection Bureau, I am filing a <em>formal</em> complaint against <em>Equifax</em>, Experian TransUnion and for failing to properly <em>investigate</em> and remove inaccurate, unverifiable, and negative <em>items</em> from my <em>credit</em> <em>report</em>."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[18.455975,"12180712"]},{"_index":"complaint-public-v1","_id":"12126253","_score":18.392673,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL, XXXX XXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Information Under the Fair Credit Reporting Act ( FCRA ) Dear Equifax Dispute Department , I am writing to formally dispute inaccurate information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Under this law, Equifax is required to report only accurate, complete, and verifiable information. The following item ( s ) on my credit report are incorrect and must be investigated and corrected immediately. \n\nDisputed Item ( s ) : XXXX XXXX XXXX XXXXXXXX Account number : XXXX XXXX XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX Account number : XXXX FCRA Violations and Required Action Under the FCRA XXXX Equifax has the following legal obligations : XXXX. Accuracy and Fairness ( 1681e ( b ) ) Equifax must maintain reasonable procedures to ensure maximum possible accuracy in credit reporting. The presence of inaccurate information violates this requirement. \nXXXX. Investigation of Disputed Information ( 1681i ( a ) ) Once a consumer disputes information, Equifax must investigate within 30 days and delete or correct any unverifiable, inaccurate, or outdated information. \nXXXX. Notification of Corrections ( 1681i ( d ) ) If Equifax corrects or deletes any disputed item, it must provide me with a written notice and an updated credit report. \nXXXX. Liability for Non-Compliance ( 1681n, 1681o ) If Equifax fails to investigate or correct this inaccurate information, it may be subject to civil liability for willful non-compliance or negligence, including actual damages, statutory damages, and attorneys fees. \n\nRequested Resolution I request the following actions be taken immediately : A full reinvestigation into the disputed information. \nRemoval or correction of any inaccurate, unverifiable, or outdated information. \nA written statement confirming the results of your investigation and an updated copy of my credit report. \n\nFailure to comply with this request within the legally mandated timeframe may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action. \n\nI have attached copies of relevant supporting documents, including [ mention any evidence, such as credit reports, account statements, or correspondence with creditors ]. Please respond within 30 days as required by law. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-02-25T18:50:24.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33407","tags":null,"has_narrative":true,"complaint_id":"12126253","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-19T02:00:27.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL, XXXX XXXX XXXX XX/XX/year> <em>Equifax</em> Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : <em>Dispute</em> of Inaccurate Information Under the Fair <em>Credit</em> <em>Reporting</em> Act ( FCRA ) Dear <em>Equifax</em> <em>Dispute</em> Department , I am writing to <em>formally</em> <em>dispute</em> inaccurate information on my <em>credit</em> <em>report</em> in accordance with the Fair <em>Credit</em> <em>Reporting</em> Act ( FCRA ), 15 U.S.C. 1681 et seq."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company":["<em>EQUIFAX</em>, INC."],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[18.392673,"12126253"]},{"_index":"complaint-public-v1","_id":"11024699","_score":17.83433,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/year>, I sent a formal dispute to Equifax regarding inaccuracies in my credit report. In my letter, I outlined detailed discrepancies in several accounts, highlighting inconsistencies in balances, account statuses, and other critical data points when compared to reports from XXXX and XXXX. My dispute referenced Fair Credit Reporting Act ( FCRA ) requirements and Metro 2 standards to ensure accurate and fair reporting. I requested a thorough investigation and reconciliation of the disputed items and, if necessary, the removal of unverifiable information to protect my creditworthiness. \n\nTo support my dispute, I included the following documentation : A signed and dated dispute letter clearly articulating the issues. \nA copy of my government-issued identification. \nA copy of my Social Security card. \nA utility bill displaying my current address. \n\nEquifax 's Response : On XX/XX/year>, Equifax issued a response alleging that the documents I submitted were illegible. This statement was contradictory, as their response simultaneously listed the exact documents I had provided in my initial submission. Despite the detailed and organized nature of my correspondence, including a clear and complete dispute, Equifax seemingly ignored my submission and dismissed it with a vague and inaccurate claim. This approach reflects a lack of diligence and undermines my efforts to ensure that my credit report is accurate and compliant with federal standards. \n\nI respectfully request that Equifax address this dispute with the seriousness and professionalism it merits, conducting a proper investigation and providing a comprehensive response to each disputed item.","date_sent_to_company":"2024-12-04T03:55:05.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30281","tags":null,"has_narrative":true,"complaint_id":"11024699","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-04T03:41:46.000Z","state":"GA","company_public_response":null,"sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["On XX/XX/year>, I sent a <em>formal</em> <em>dispute</em> to <em>Equifax</em> regarding inaccuracies in my <em>credit</em> <em>report</em>. In my letter, I outlined detailed discrepancies in several accounts, highlighting inconsistencies in balances, account statuses, and other critical data points when compared to <em>reports</em> from XXXX and XXXX. My <em>dispute</em> referenced Fair <em>Credit</em> <em>Reporting</em> Act ( FCRA ) requirements and Metro 2 standards to ensure accurate and fair <em>reporting</em>."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company":["<em>EQUIFAX</em>, INC."],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Difficulty submitting a <em>dispute</em> or getting information about a <em>dispute</em> over the phone"]},"sort":[17.83433,"11024699"]},{"_index":"complaint-public-v1","_id":"12035054","_score":17.609016,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint regarding Equifaxs failure to properly investigate and remove fraudulent accounts and inquiries from my credit report after I was a victim of identity theft. Despite following the necessary procedures to dispute these errors, Equifax has ignored my requests and failed to take corrective action, negatively impacting my credit profile.\n\nSteps Taken to Address Identity Theft and Dispute Errors XXXX. Filed an Identity Theft Report Upon discovering unauthorized accounts and inquiries on my credit report, I promptly filed an identity theft report with Federal Trade Commission on XX/XX/year>. A copy of this report was included in my dispute submission to Equifax. \nXXXX. Placed a Fraud Alert and Credit Freeze I requested and successfully placed a fraud alert on my credit file through all three major credit bureaus ( Equifax, XXXX, and XXXX ) and initiated a credit freeze to prevent further fraudulent activity. \nXXXX. Submitted Dispute to Equifax On XX/XX/year>, I formally submitted a dispute to Equifax, providing detailed information about the fraudulent accounts, including : A copy of my government-issued ID Proof of residence A police report/FTC Identity Theft Report Copies of statements showing fraudulent transactions A written statement explaining the disputed items XXXX. Followed Up on Dispute After not receiving a response within the legally required timeframe under the Fair Credit Reporting Act ( FCRA ), I contacted Equifax multiple times on XX/XX/year>, XXXX via certified mail to check the status of my dispute. \nXXXX. Received No Resolution from Equifax Despite providing all necessary documentation, Equifax has failed to remove the fraudulent accounts from my credit file. They have either ignored my dispute, provided generic responses without investigation, or reinserted the fraudulent accounts without proper notification. \n\nRequested Action Due to Equifaxs noncompliance with FCRA regulations, I am requesting the CFPBs intervention to ensure that : Equifax fully investigates my dispute and permanently removes all fraudulent accounts and inquiries.\n\nEquifax provides me with a written statement detailing the results of their investigation.\n\nI receive a corrected credit report reflecting the removal of all fraudulent information.\n\nEquifaxs failure to address my dispute has caused financial harm, including lowered credit scores, denied credit opportunities, and undue stress. I respectfully request that the CFPB take immediate action to ensure Equifax complies with federal regulations and properly corrects my credit report.\n\nThank you for your time and assistance in resolving this matter. Please feel free to contact me if further information is required. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-02-12T04:25:20.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92555","tags":null,"has_narrative":true,"complaint_id":"12035054","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-12T03:53:42.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Submitted <em>Dispute</em> to <em>Equifax</em> On XX/XX/year>, I <em>formally</em> submitted a <em>dispute</em> to <em>Equifax</em>, providing detailed information about the fraudulent accounts, including : A copy of my government-issued ID Proof of residence A police <em>report</em>/FTC Identity Theft <em>Report</em> Copies of <em>statements</em> showing fraudulent transactions A written <em>statement</em> explaining the <em>disputed</em> <em>items</em> XXXX."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company":["<em>EQUIFAX</em>, INC."],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[17.609016,"12035054"]},{"_index":"complaint-public-v1","_id":"14540800","_score":17.469107,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/year>, I submitted a formal written dispute to Equifax requesting an investigation into inaccurate information on my credit report. To support my request and verify my identity, I enclosed all necessary documentation : a copy of my government-issued photo ID, social security card , and a recent bank statement reflecting my current address.\n\nIn my dispute, I provided specific, detailed instructions requesting transparency in the verification process. I asked Equifax to disclose the following information : - The method used to verify the disputed item.\n\n- The date Equifax contacted the creditor and furnisher.\n\n- Contact information for both the creditor and the furnisher.\n\n- The name of the individual who verified the item.\n\n- The communication method used ( e.g., phone, email, mail ).\n\n- Confirmation of whether any sensitive personal datasuch as my Social Security Number, address, and date of birthwas shared during the verification process.\n\nDespite providing a valid and well-documented request, Equifax has failed to issue any response or resolution, and over 30 days have now passed.\n\nUnder the Fair Credit Reporting Act ( FCRA ), Equifax is legally required to conduct a reasonable investigation and provide the consumer with the results of that investigation within 30 days. Their complete failure to respond constitutes a clear violation of federal law and a denial of my rights as a consumer.\n\nThis inaction is obstructing my ability to correct potentially harmful errors on my credit report and is causing continued and unnecessary damage to my financial standing.\n\nI am attaching a copy of the dispute letter I originally sent to Equifax as supporting documentation.","date_sent_to_company":"2025-07-09T19:21:19.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91344","tags":null,"has_narrative":true,"complaint_id":"14540800","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-09T19:14:45.000Z","state":"CA","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["On XX/XX/year>, I submitted a <em>formal</em> written <em>dispute</em> to <em>Equifax</em> requesting an <em>investigation</em> into inaccurate information on my <em>credit</em> <em>report</em>. To support my request and verify my identity, I enclosed all necessary documentation : a copy of my government-issued photo ID, social security card , and a recent bank <em>statement</em> reflecting my current address.\n\nIn my <em>dispute</em>, I provided specific, detailed instructions requesting transparency in the verification process."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company":["<em>EQUIFAX</em>, INC."],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[17.469107,"14540800"]},{"_index":"complaint-public-v1","_id":"17105470","_score":17.46017,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a formal complaint against Equifax for providing a materially false investigation conclusion and for failing to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ).\n\nChronology and Key Facts : 1. Original Creditor and Multiple Inaccuracies : My debt originated as an Unsecured Personal Loan with XXXX XXXX ( XXXX ). It is inaccurately reported by XXXX XXXX XXXXXXXX, which is a mortgage entity, creating a fundamental inaccuracy regarding the product type. \nAccount Number Inconsistency : The original loan ended in XXXX, which Equifax referenced in the dispute letter. However, the current Equifax report lists the XXXX account number as XXXX XXXX. This contradiction proves an utter failure to verify the basic account data. \nXXXX. Irregular and Superficial Investigation : I submitted my dispute on XX/XX/year>. Equifax closed the investigation on XX/XX/year> ( just 2 days ). This unreasonable speed proves Equifax failed to conduct a \" reasonable investigation. '' XXXX. Documented Falsity by Equifax : Equifaxs written response ( dated XX/XX/year> ) concluded : \" THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. \". This statement is demonstrably false because my current Equifax credit report ( dated XX/XX/year> ) clearly shows the Shellpoint entry IS STILL REPORTING as \" CHARGE_OFF ''.\n\nViolation and Desired Resolution : Equifax violated the FCRA by providing a materially false investigation conclusion. I request the CFPB to order Equifax to immediately and completely delete this Shellpoint Mortgage Servicing entry ( Account XXXX ) from my credit report due to the falsity of the investigation and the multiple, provable errors in the reported data.","date_sent_to_company":"2025-11-07T10:23:09.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90723","tags":null,"has_narrative":true,"complaint_id":"17105470","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-07T10:02:29.000Z","state":"CA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>Equifax</em> closed the <em>investigation</em> on XX/XX/year> ( just 2 days ). This unreasonable speed proves <em>Equifax</em> failed to conduct a \" reasonable <em>investigation</em>. '' XXXX. Documented Falsity by <em>Equifax</em> : <em>Equifaxs</em> written response ( dated XX/XX/year> ) concluded : \" THE <em>DISPUTED</em> <em>ITEM</em> IS NOT CURRENTLY <em>REPORTING</em> ON THE <em>EQUIFAX</em> <em>CREDIT</em> FILE. \"."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"company":["<em>EQUIFAX</em>, INC."],"sub_product":["<em>Credit</em> reporting"]},"sort":[17.46017,"17105470"]},{"_index":"complaint-public-v1","_id":"11545685","_score":17.420485,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"hello I am reaching out for the cause of a Dispute of Inaccurate Credit Report Items with Equifax, XXXX, and XXXX. I am writing to formally dispute XXXX items on my credit report, specifically XXXX XXXX and XXXX. While searching for a home for my family, I discovered that these items were inaccurately verified. Despite never having a contract with XXXX XXXX, and XXXX 's statement that they do not own the account, they continue to report to the credit bureaus. The credit bureaus ' investigation, completed in under 24 hours, failed to provide the investigation process or proof of contract with a wet signature, as requested. however, XXXX XXXX did remove credit elections! I kindly request that these items be removed immediately, as their inaccuracy is hindering my ability to provide a safe shelter for my family. I have attached relevant documentation. Thank you for your prompt attention to this matter. Please do not hesitate to contact me at XXXX if you require further information.","date_sent_to_company":"2025-01-15T22:49:26.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"151XX","tags":null,"has_narrative":true,"complaint_id":"11545685","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-15T21:50:32.000Z","state":"PA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["hello I am reaching out for the cause of a <em>Dispute</em> of Inaccurate <em>Credit</em> <em>Report</em> <em>Items</em> with <em>Equifax</em>, XXXX, and XXXX. I am writing to <em>formally</em> <em>dispute</em> XXXX <em>items</em> on my <em>credit</em> <em>report</em>, specifically XXXX XXXX and XXXX. While searching for a home for my family, I discovered that these <em>items</em> were inaccurately verified. Despite never having a contract with XXXX XXXX, and XXXX 's <em>statement</em> that they do not own the account, they continue to <em>report</em> to the <em>credit</em> bureaus."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company":["<em>EQUIFAX</em>, INC."],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[17.420485,"11545685"]},{"_index":"complaint-public-v1","_id":"11928740","_score":17.378693,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complainant : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX Subject : Formal Complaint Against Equifax for Non-Compliance with FCRA and CFPB XXXX XXXX Dear Consumer Financial Protection Bureau XXXX I am filing this formal complaint against Equifax Information Services LLC for their failure to conduct a proper investigation regarding disputed items on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting standards. Despite submitting a formal dispute on XX/XX/XXXX, and providing clear documentation of reporting inaccuracies, Equifax has failed to take any corrective action. \n\nBackground of the Dispute On XX/XX/XXXX, I submitted a formal dispute to Equifax, citing multiple inaccuracies on my credit report. I specifically requested verification or deletion of the following accounts due to inconsistencies, errors, and non-compliance with FCRA and IRS XXXX charge-off reporting requirements : XXXX XXXX ( Account Ending in XXXX ) XXXX XXXX ( Account Ending in XXXX ) XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX ) XXXX XXXX XXXX ( Account Ending in XXXX ) XXXX XXXX  ( Account Ending in XXXX ) XXXX XXXX XXXX ( Account Ending in XXXX ) XXXX XXXX XXXX ( Account Ending XXXX XXXX ) XXXX XXXX XXXX ( Account Ending in XXXX and others on file ) Despite the XXXX timeframe required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax failed to conduct a meaningful reinvestigation. Instead, they responded with a generic statement affirming the accuracy of the disputed information without providing supporting documentation or a clear methodology used in their investigation. Additionally, my updated Equifax credit report from XX/XX/XXXX shows that no changes were made, proving their failure to act.","date_sent_to_company":"2025-02-04T19:03:52.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30253","tags":null,"has_narrative":true,"complaint_id":"11928740","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-04T18:58:21.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Complainant : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX Subject : <em>Formal</em> Complaint Against <em>Equifax</em> for Non-Compliance with FCRA and CFPB XXXX XXXX Dear Consumer Financial Protection Bureau XXXX I am filing this <em>formal</em> complaint against <em>Equifax</em> Information Services LLC for their failure to conduct a proper <em>investigation</em> regarding <em>disputed</em> <em>items</em> on my <em>credit</em> <em>report</em>, in direct violation of the Fair <em>Credit</em> <em>Reporting</em> Act ( FCRA ) and XXXX XXXX <em>reporting</em> standards."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company":["<em>EQUIFAX</em>, INC."],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[17.378693,"11928740"]},{"_index":"complaint-public-v1","_id":"11950418","_score":17.371824,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Against Equifax for Violating FCRA Dear CFPB, I am writing to formally lodge a complaint against Equifax for its blatant violations of the Fair Credit Reporting Act ( FCRA ), specifically Section 607 ( b ), which mandates that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy in consumer reports. The recent findings by the CFPB, which resulted in Equifax being ordered to pay {$15.00} XXXX for improper investigations of credit reporting errors, highlight a pattern of negligence and disregard for consumer rights that can not be overlooked. \n\nEquifax 's failure to conduct adequate investigations into disputed information is not just a technical breach ; it is a harmful practice that has real consequences for consumers like myself. The CFPB 's investigation revealed that Equifax 's processes for handling consumer disputes are fundamentally flawed, limiting our ability to accurately present our concerns. This is an egregious violation of our rights as consumers.\n\n1. **Inadequate Investigations** : Equifax has repeatedly failed to thoroughly investigate disputes, often ignoring relevant information provided by consumers. This lack of diligence has resulted in misleading and contradictory communications, leaving consumers confused and frustrated. \n\n2. **Excessive Deference to Furnishers** : Equifax has shown a troubling tendency to rely on furnishers ' responses without critically evaluating their validity, even when contradictory evidence exists. This practice severely undermines the integrity of the credit reporting system.\n\n3. **Confusing Responses** : The letters I received from Equifax after disputing inaccuracies contained contradictory statements, such as declaring items both \" verified as accurate '' and \" deleted. '' This inconsistency is unacceptable and indicative of a systemic failure to uphold consumer rights. \n\nMy recent experience with Equifax further exemplifies these issues. Despite my credit report indicating a clean standing, their handling of my dispute regarding the XXXX XXXX account was inadequate. Equifax 's response did not address the core of my complaint and instead provided vague reassurances without substantiation. \n\nFurthermore, I am in possession of a letter from XXXX XXXX XXXX confirming that they sent updated information to all three bureaus, including Equifax. This contradicts Equifax 's claims of \" non-reporting '' of the disputed item on my credit file. \n\nGiven this ongoing pattern of neglect and non-compliance with the FCRA, I urge the CFPB to take immediate action against Equifax. Consumers deserve a fair and accurate credit reporting system, and Equifax 's practices have consistently failed to meet these basic standards. Thank you","date_sent_to_company":"2025-02-05T11:15:06.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20176","tags":null,"has_narrative":true,"complaint_id":"11950418","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-05T11:08:16.000Z","state":"VA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["**Confusing Responses** : The letters I received from <em>Equifax</em> after <em>disputing</em> inaccuracies contained contradictory <em>statements</em>, such as declaring <em>items</em> both \" verified as accurate '' and \" deleted. '' This inconsistency is unacceptable and indicative of a systemic failure to uphold consumer rights. \n\nMy recent experience with <em>Equifax</em> further exemplifies these issues. Despite my <em>credit</em> <em>report</em> indicating a clean standing, their handling of my <em>dispute</em> regarding the XXXX XXXX account was inadequate."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company":["<em>EQUIFAX</em>, INC."],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[17.371824,"11950418"]},{"_index":"complaint-public-v1","_id":"11807805","_score":17.276659,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Formal Dispute Regarding Inaccurate Reporting of Negative Information on XXXX XXXX XXXX XXXX Account Dear Sir/Madam, I am writing to formally dispute inaccurate information reported by Equifax on my credit report concerning my XXXX  XXXX XXXX account . I believe this inaccurate reporting is a result of violations of the Fair Credit Reporting Act ( FCRA ), as found by the Consumer Financial Protection Bureau ( CFPB ) in its investigation of Equifax. The CFPB discovered that Equifax failed to properly investigate consumer disputes, ignored relevant consumer evidence, and allowed previously deleted errors to be reinserted into consumer credit reports. \nSpecifically, I am disputing the negative information associated with my XXXX XXXX XXXX account, as Equifax has : 1. Failed to thoroughly investigate my dispute : I submitted relevant documentation that was ignored or inadequately considered by Equifax. As noted by the CFPB, the process by which Equifax submits and investigates disputes limits the ability of consumers to fully articulate their concerns. This has led to my dispute being inadequately reviewed. \n2. Reported previously deleted inaccuracies : I have noticed that inaccuracies related to this account, which should have been removed, reappeared on my credit report. This is consistent with the CFPB 's findings that Equifax allowed previously deleted errors to be reintegrated. \n3. Provided confusing or contradictory results : I received conflicting statements from Equifax in response to my dispute, such as both \" this has been verified as accurate '' and \" this item has been deleted. '' The contradictory nature of these responses undermines my ability to trust the accuracy of the information on my credit report. \n4. Misreported my credit score : Due to coding errors, my credit score has been inaccurately calculated, which could negatively impact my creditworthiness. The CFPB 's investigation revealed that Equifaxs flawed software has caused several consumers, including myself, to receive inaccurate credit scores. \n5. Failed to block information resulting from identity theft : Although not directly related to this account, I also noticed that there may be instances of identity theft-related information on my report, which should have been blocked under FCRA guidelines . This is indicative of Equifax 's failure to maintain effective systems to identify and prevent the reporting of incorrect information.","date_sent_to_company":"2025-01-28T15:20:14.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"53217","tags":null,"has_narrative":true,"complaint_id":"11807805","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-28T14:56:50.000Z","state":"WI","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX <em>Equifax</em> XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : <em>Formal</em> <em>Dispute</em> Regarding Inaccurate <em>Reporting</em> of Negative Information on XXXX XXXX XXXX XXXX Account Dear Sir/Madam, I am writing to <em>formally</em> <em>dispute</em> inaccurate information <em>reported</em> by <em>Equifax</em> on my <em>credit</em> <em>report</em> concerning my XXXX  XXXX XXXX account ."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company":["<em>EQUIFAX</em>, INC."],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[17.276659,"11807805"]},{"_index":"complaint-public-v1","_id":"16530225","_score":17.25869,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Date : XX/XX/year> To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Identity Theft and Credit Report Dispute Request for Investigation and Removal of Inaccurate Accounts Attention Equifax Dispute Department , I am writing to formally notify you of potential identity theft and inaccurate reporting on my Equifax credit file. During a recent mortgage application, I was alerted to a discrepancy between the Equifax score reported to my lender and the score displayed on the Equifax website. \nUpon contacting Equifax on XX/XX/year>, I was informed that I may have been a victim of fraudulent activity or identity theft, and that my personal information may have been compromised. I was instructed to provide supporting identification documents to verify my identity.\n\nEnclosed are copies of the requested identification documents ( drivers license, Social Security card, and proof of address ). Please use these materials to verify my identity and conduct a comprehensive investigation of the disputed items referenced in the attached letter.\n\nThis dispute is being filed under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681e ( b ) : Requiring consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of information.\n\n15 U.S.C. 1681a : Defining consumer report and the standards for data accuracy and proper association with the correct consumer.\n\nPlease confirm receipt of this letter and provide written notice of the results of your investigation, along with an updated copy of my corrected credit report.\n\nThank you for your prompt attention and cooperation.\n\nSincerely, 1. Copy of drivers license 2. Copy of Social Security card 3. Proof of address ( utility bill or bank statement ) 4. Formal dispute letter listing inaccurate/fraudulent accounts","date_sent_to_company":"2025-10-12T12:56:14.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"07751","tags":null,"has_narrative":true,"complaint_id":"16530225","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-12T12:40:09.000Z","state":"NJ","company_public_response":null,"sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["Date : XX/XX/year> To : <em>Equifax</em> Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Identity Theft and <em>Credit</em> <em>Report</em> <em>Dispute</em> Request for <em>Investigation</em> and Removal of Inaccurate Accounts Attention <em>Equifax</em> <em>Dispute</em> Department , I am writing to <em>formally</em> notify you of potential identity theft and inaccurate <em>reporting</em> on my <em>Equifax</em> <em>credit</em> file."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"company":["<em>EQUIFAX</em>, INC."],"sub_product":["<em>Credit</em> reporting"]},"sort":[17.25869,"16530225"]},{"_index":"complaint-public-v1","_id":"16530093","_score":17.240381,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Date : XX/XX/year> To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Identity Theft and Credit Report Dispute Request for Investigation and Removal of Inaccurate Accounts Attention Equifax Dispute Department , I am writing to formally notify you of potential identity theft and inaccurate reporting on my Equifax credit file. During a recent mortgage application, I was alerted to a discrepancy between the Equifax score reported to my lender and the score displayed on the Equifax website. \nUpon contacting Equifax on XX/XX/year>, I was informed that I may have been a victim of fraudulent activity or identity theft, and that my personal information may have been compromised. I was instructed to provide supporting identification documents to verify my identity.\n\nEnclosed are copies of the requested identification documents ( drivers license, Social Security card, and proof of address ). Please use these materials to verify my identity and conduct a comprehensive investigation of the disputed items referenced in the attached letter.\n\nThis dispute is being filed under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681e ( b ) : Requiring consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of information.\n\n15 U.S.C. 1681a : Defining consumer report and the standards for data accuracy and proper association with the correct consumer.\n\nPlease confirm receipt of this letter and provide written notice of the results of your investigation, along with an updated copy of my corrected credit report.\n\nThank you for your prompt attention and cooperation.\n\nSincerely, 1. Copy of drivers license 2. Copy of Social Security card 3. Proof of address ( utility bill or bank statement ) 4. Formal dispute letter listing inaccurate/fraudulent accounts","date_sent_to_company":"2025-10-12T12:56:11.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"07751","tags":null,"has_narrative":true,"complaint_id":"16530093","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-10-12T12:55:49.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["Date : XX/XX/year> To : <em>Equifax</em> Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Identity Theft and <em>Credit</em> <em>Report</em> <em>Dispute</em> Request for <em>Investigation</em> and Removal of Inaccurate Accounts Attention <em>Equifax</em> <em>Dispute</em> Department , I am writing to <em>formally</em> notify you of potential identity theft and inaccurate <em>reporting</em> on my <em>Equifax</em> <em>credit</em> file."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[17.240381,"16530093"]},{"_index":"complaint-public-v1","_id":"14535425","_score":17.183895,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally file a complaint against the credit reporting agencies : Equifax, Experian, and TransUnion for failing to remove inaccurate, outdated, or unverifiable negative information from my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). \n\nDespite submitting formal disputes to the reporting agencies and the furnishing creditors, I have not received satisfactory responses or proper verification of the disputed items. According to the FCRA, any item that can not be verified or is found to be inaccurate must be deleted promptly. My consumer rights have been violated, and these inaccuracies are causing ongoing financial harm, including denied credit and increased interest rates. I have spent hours on this matter trying to get al of these negative items removed that are reporting inaccurate information on my credit report and none of the credit reporting agencies have properly investigated my disputes or provided me with sufficient documentation showing me how anything has come back as verified and the sourcing of the verification. \n\nPlease find enclosed copies of prior dispute letters, credit reports, and supporting documentation ( such as account statements, court records, or identity theft affidavits ).","date_sent_to_company":"2025-07-08T22:25:54.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"365XX","tags":null,"has_narrative":true,"complaint_id":"14535425","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-08T22:06:36.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am writing to <em>formally</em> file a complaint against the <em>credit</em> <em>reporting</em> agencies : <em>Equifax</em>, Experian, and TransUnion for failing to remove inaccurate, outdated, or unverifiable negative information from my <em>credit</em> <em>report</em>, in violation of the Fair <em>Credit</em> <em>Reporting</em> Act ( FCRA ). \n\nDespite submitting <em>formal</em> <em>disputes</em> to the <em>reporting</em> agencies and the furnishing creditors, I have not received satisfactory responses or proper verification of the <em>disputed</em> <em>items</em>."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[17.183895,"14535425"]},{"_index":"complaint-public-v1","_id":"14535573","_score":17.170351,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally file a complaint against the credit reporting agencies : Equifax, Experian, and TransUnion for failing to remove inaccurate, outdated, or unverifiable negative information from my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). \n\nDespite submitting formal disputes to the reporting agencies and the furnishing creditors, I have not received satisfactory responses or proper verification of the disputed items. According to the FCRA, any item that can not be verified or is found to be inaccurate must be deleted promptly. My consumer rights have been violated, and these inaccuracies are causing ongoing financial harm, including denied credit and increased interest rates. I have spent hours on this matter trying to get al of these negative items removed that are reporting inaccurate information on my credit report and none of the credit reporting agencies have properly investigated my disputes or provided me with sufficient documentation showing me how anything has come back as verified and the sourcing of the verification. \n\nPlease find enclosed copies of prior dispute letters, credit reports, and supporting documentation ( such as account statements, court records, or identity theft affidavits ).","date_sent_to_company":"2025-07-08T22:25:53.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"365XX","tags":null,"has_narrative":true,"complaint_id":"14535573","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-08T22:25:27.000Z","state":"AL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am writing to <em>formally</em> file a complaint against the <em>credit</em> <em>reporting</em> agencies : <em>Equifax</em>, Experian, and TransUnion for failing to remove inaccurate, outdated, or unverifiable negative information from my <em>credit</em> <em>report</em>, in violation of the Fair <em>Credit</em> <em>Reporting</em> Act ( FCRA ). \n\nDespite submitting <em>formal</em> <em>disputes</em> to the <em>reporting</em> agencies and the furnishing creditors, I have not received satisfactory responses or proper verification of the <em>disputed</em> <em>items</em>."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company":["<em>EQUIFAX</em>, INC."],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[17.170351,"14535573"]},{"_index":"complaint-public-v1","_id":"14533157","_score":17.16453,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally file a complaint against the credit reporting agencies : Equifax, Experian, and TransUnion for failing to remove inaccurate, outdated, or unverifiable negative information from my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). \n\nDespite submitting formal disputes to the reporting agencies and the furnishing creditors, I have not received satisfactory responses or proper verification of the disputed items. According to the FCRA, any item that can not be verified or is found to be inaccurate must be deleted promptly. My consumer rights have been violated, and these inaccuracies are causing ongoing financial harm, including denied credit and increased interest rates. I have spent hours on this matter trying to get al of these negative items removed that are reporting inaccurate information on my credit report and none of the credit reporting agencies have properly investigated my disputes or provided me with sufficient documentation showing me how anything has come back as verified and the sourcing of the verification. \n\nPlease find enclosed copies of prior dispute letters, credit reports, and supporting documentation ( such as account statements, court records, or identity theft affidavits ).","date_sent_to_company":"2025-07-08T22:25:54.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"365XX","tags":null,"has_narrative":true,"complaint_id":"14533157","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-08T22:25:27.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am writing to <em>formally</em> file a complaint against the <em>credit</em> <em>reporting</em> agencies : <em>Equifax</em>, Experian, and TransUnion for failing to remove inaccurate, outdated, or unverifiable negative information from my <em>credit</em> <em>report</em>, in violation of the Fair <em>Credit</em> <em>Reporting</em> Act ( FCRA ). \n\nDespite submitting <em>formal</em> <em>disputes</em> to the <em>reporting</em> agencies and the furnishing creditors, I have not received satisfactory responses or proper verification of the <em>disputed</em> <em>items</em>."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[17.16453,"14533157"]},{"_index":"complaint-public-v1","_id":"13246227","_score":17.117115,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint Equifax 's Failure to Investigate Dispute and Debt Collectors Failure to Respond to Verification Requests To Whom It May Concern, I am writing to file a formal complaint against Equifax Information Services LLC for failing to comply with its obligations under the Fair Credit Reporting Act ( FCRA ), and against multiple debt collectors for violating the Fair Debt Collection Practices Act ( FDCPA ) by failing to respond to my verification requests. \n________________________________________ XXXX. Failure of Equifax to Investigate My Dispute On XX/XX/year>, I submitted a dispute letter to Equifax to challenge inaccurate and/or unverifiable information being reported on my credit file. This letter was typed and hand-signed and included : A clear, handwritten statement of my full name, current address, and Social Security Number A photocopy of my government-issued ID A detailed description of the items in question Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) of the FCRA, Equifax is required to conduct a reasonable investigation and respond to a consumer dispute within XXXX days of receipt. Equifax received my dispute on XX/XX/year>, meaning the deadline to respond was XX/XX/year>. \nTo date, I have received no communication or resolution from Equifax. This constitutes a direct violation of the FCRA. \n________________________________________ XXXX. Failure of Collection Agencies to Validate Debts In addition to my credit bureau dispute, I also sent debt validation letters directly to each collection agency currently reporting derogatory accounts on my credit profile. These letters were also properly formatted, typed and hand-signed, and sent via certified mail. \nUnder 15 U.S. Code 1692g ( b ) of the FDCPA, debt collectors are required to cease collection activities and respond with proper verification of the debt before resuming any reporting or collection. As of this date, none of the collection agencies have responded, and their accounts continue to appear on my credit report.","date_sent_to_company":"2025-04-30T02:11:16.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"631XX","tags":null,"has_narrative":true,"complaint_id":"13246227","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-30T01:57:05.000Z","state":"MO","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Failure of <em>Equifax</em> to <em>Investigate</em> My <em>Dispute</em> On XX/XX/year>, I submitted a <em>dispute</em> letter to <em>Equifax</em> to challenge inaccurate and/or unverifiable information being <em>reported</em> on my <em>credit</em> file. This letter was typed and hand-signed and included : A clear, handwritten <em>statement</em> of my full name, current address, and Social Security Number A photocopy of my government-issued ID A detailed description of the <em>items</em> in question Under 15 U.S."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"company":["<em>EQUIFAX</em>, INC."],"sub_product":["<em>Credit</em> reporting"]},"sort":[17.117115,"13246227"]},{"_index":"complaint-public-v1","_id":"17011076","_score":17.03531,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against Equifax for willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ), which mandates that consumer reporting agencies conduct a reasonable reinvestigation of disputed information and provide the results within 30 days of receipt. \nOn XX/XX/year>, I submitted a formal written dispute to Equifax via USPS Certified Mail ( Tracking # XXXX ). The dispute included complete identity verification documentationcopies of my government-issued photo ID, Social Security card , and a recent bank statement verifying my current address. In my correspondence, I requested a full investigation and correction of the following inaccurate items on my credit report : - Account : XXXX XXXX XXXX XXXX XXXX - Public Record : XXXX XXXX XXXX ( Reference # XXXX ) - Personal Information : Inaccurate identifying details listed on my credit profile.\n\nAccording to USPS tracking records, Equifax received my dispute on XX/XX/year>. Despite clear delivery confirmation and sufficient identification, the statutory 30-day period has now lapsed. Equifax has failed to provide any acknowledgment, communication, or investigation results. This constitutes a clear violation of the FCRA and demonstrates a disregard for federally mandated consumer rights.","date_sent_to_company":"2025-11-04T22:50:29.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"85259","tags":null,"has_narrative":true,"complaint_id":"17011076","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-04T22:46:50.000Z","state":"AZ","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["I am filing this complaint against <em>Equifax</em> for willful and negligent violations of the Fair <em>Credit</em> <em>Reporting</em> Act ( FCRA ), specifically Section 611 ( a ), which mandates that consumer <em>reporting</em> agencies conduct a reasonable reinvestigation of <em>disputed</em> information and provide the results within 30 days of receipt. \nOn XX/XX/year>, I submitted a <em>formal</em> written <em>dispute</em> to <em>Equifax</em> via USPS Certified Mail ( Tracking # XXXX )."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company":["<em>EQUIFAX</em>, INC."],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[17.03531,"17011076"]},{"_index":"complaint-public-v1","_id":"11895028","_score":17.025711,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Washington XXXX DC XXXX Subject : Formal Complaint Against Experian for Inaccurate Reporting Dear CFPB, I am writing to file a formal complaint against Experian regarding their handling of my credit report regarding my XXXX. The information indicates that the account was opened in XX/XX/XXXX and was paid and closed without any late payments. However, it appears that this item was deleted from the report as of XX/XX/XXXX. \n\nIf you have specific questions about this report or need assistance with understanding credit reports, feel free to ask! \n\nIt is unreasonable for any consumer to have a positive payment history erased from their credit report. \n\nThis situation is exacerbated by the contradictory statements I have received. For instance, I was informed that my account had been verified as accurate while simultaneously being told that this item has been deleted. Such conflicting information is not only confusing but also indicative of a failure to adequately investigate and address consumer disputes. \n\nThis pattern mirrors the troubling practices of Equifax, which was recently sued for failing to conduct thorough investigations of consumer disputes. Equifax sent to consumers sometimes contained confusing or contradictory statements, such as both this has been verified as accurate and this item has been deleted.Experian appears to be employing similar tactics, ignoring relevant information and providing contradictory statements in their communication, causing undue harm to consumers like myself.\n\nI urge the CFPB to take immediate action against Experian for their continued failure to uphold accurate reporting standards and for not adequately addressing consumer disputes. This pattern of behavior must be stopped to protect consumers from damaging credit report inaccuracies that can significantly impact our financial well-being.\n\nThank you for your attention to this matter. I look forward to your prompt response and the necessary action to hold Experian accountable.\n\nWhenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.","date_sent_to_company":"2025-02-02T21:40:59.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20176","tags":null,"has_narrative":true,"complaint_id":"11895028","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-02T21:33:03.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["For instance, I was informed that my account had been verified as accurate while simultaneously being told that this <em>item</em> has been deleted. Such conflicting information is not only confusing but also indicative of a failure to adequately <em>investigate</em> and address consumer <em>disputes</em>. \n\nThis pattern mirrors the troubling practices of <em>Equifax</em>, which was recently sued for failing to conduct thorough <em>investigations</em> of consumer <em>disputes</em>."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[17.025711,"11895028"]},{"_index":"complaint-public-v1","_id":"15412241","_score":17.021849,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this formal statement regarding Equifaxs violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On XX/XX/XXXX, I disputed several fraudulent accounts and provided Equifax with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued identification, and evidence linking me to a data breach. Equifax failed to block the disputed items within the four-business-day period required under 605B and instead verified the accounts without disclosing the sources or evidence of verification, in violation of 611s mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, including XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX, which affirm consumers rights to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations, and disregard for the CFPBs XXXX bulletin, underscores Equifaxs failure to uphold consumer protections under the FCRA.","date_sent_to_company":"2025-08-20T15:17:24.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"561XX","tags":"Older American","has_narrative":true,"complaint_id":"15412241","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-20T15:09:08.000Z","state":"MN","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am submitting this <em>formal</em> <em>statement</em> regarding <em>Equifaxs</em> violations of the Fair <em>Credit</em> <em>Reporting</em> Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my <em>credit</em> <em>report</em> despite proper notification and submission of required documentation."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"company":["<em>EQUIFAX</em>, INC."],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[17.021849,"15412241"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":1945,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":1945}]}},"product":{"doc_count":1945,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":1858,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":1856},{"key":"Other personal consumer report","doc_count":2}]}},{"key":"Credit reporting, credit repair services, or other personal consumer 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