Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #11681728
Complaint Overview
Complaint ID: 11681728
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Was not notified of investigation status or results
State: Texas
ZIP Code: 77407
Date Received: 2025-01-20T12:00:00-05:00
Date Sent to Company: 2025-01-20T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Consumer Financial Protection Bureau ( CFPB ) Re : Formal Complaint Against XXXX XXXX XXXX, Equifax, XXXX, and XXXX FCRA Violations and Deceptive Practices Complainant Information : XXXX XXXX [ Address ] To Whom It May Concern, This is a formal complaint against XXXX XXXX XXXX, Equifax, XXXX, and XXXX for significant violations of the Fair Credit Reporting Act ( FCRA ), particularly related to improper reinsertion of previously deleted information, failure to ensure maximum possible accuracy, deceptive practices, and procedural failures. These issues mirror systemic violations outlined in the CFPBs recent lawsuits against Equifax and XXXX, and I have been directly harmed by these practices. Violations by XXXX XXXX XXXX ( FCRA 15 U.S.C. 1681s-2 ) 1. Failure to Provide Accurate Information XXXX XXXX XXXX furnished inaccurate and unverifiable negative information on my credit report, violating 15 U.S.C. 1681s-2 ( a ) ( 1 ), which requires furnishers to ensure the accuracy of the information they report to credit bureaus. 2. Failure to Provide Notice of Negative Reporting The bank failed to provide me with written notice within 30 days after furnishing negative information, as required under 15 U.S.C. 1681s-2 ( a ) ( 7 ). 3. Certification of Accuracy Before any reinsertion of previously deleted information, a furnisher must certify that the information is complete and accurate. Given that the XXXX XXXX XXXX account contains inaccuracies, their certification is inherently invalid, and their actions demonstrate gross negligence. Violations by Equifax, XXXX, and XXXX ( FCRA 15 U.S.C. 1681i and 1681e ( b ) ) 1. Failure to Prevent Improper Reinsertion Equifax, XXXX, and XXXX failed to follow the requirements under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) to : Obtain proper certification from XXXX XXXX XXXX confirming that the previously deleted information is accurate. Notify me within five business days of the reinsertion of any information, including the furnishers name, contact details, and my right to dispute. These actions are direct violations of the FCRA and deprive me of my rights to challenge inaccurate or reinserted information. 2. Failure to Ensure Maximum Possible Accuracy Under 15 U.S.C. 1681e ( b ), CRAs are required to ensure the maximum possible accuracy of the information they report. By reinstating inaccurate and unverifiable information from XXXX XXXX XXXX, they have failed to meet this obligation. XXXX. Deceptive Practices and Systemic Failures The reinsertion of previously deleted information without proper notification and certification constitutes a deceptive practice that misleads consumers and violates the FCRA. This practice aligns with allegations in the CFPB lawsuits against Equifax and XXXX, which outline their systemic failures to conduct reasonable investigations, rely on accurate data, and notify consumers of key actions. I am directly harmed by these same failures in this case. CFPB XXXX XXXX Equifax and XXXX In recent legal actions brought by the CFPB against Equifax and XXXX, the agencies were found to : Over-rely on furnishers without verifying the accuracy of the information provided. Reinsert previously deleted information without proper certification or consumer notification, violating 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). Fail to conduct reasonable reinvestigations, leading to the continued reporting of inaccurate and unverifiable information. These practices are evident in my case, where all three credit bureausEquifax, XXXX, and XXXX to prevent the improper reinsertion of the XXXX XXXX XXXX account and failed to ensure its accuracy. Request for Investigation and Resolution To address these violations, I request that the CFPB : XXXX. XXXX XXXX XXXX XXXX for : Failing to provide accurate information. Failing to send proper notice within 30 days after furnishing negative information. Falsely certifying the accuracy of reinserted information. XXXX. XXXX Equifax, XXXX, and XXXX for : Failing to prevent the improper reinsertion of deleted information. Failing to notify me within five business days of reinsertion. Failing to ensure the accuracy of the reinserted information. 3. Require the Immediate Removal of the XXXX XXXX XXXX account from my credit reports due to these procedural violations and the inaccurate nature of the account. XXXX. Hold All Parties Accountable under applicable penalties and remedies provided by the FCRA, including statutory, actual, and punitive damages. Impact on Creditworthiness These violations have caused significant harm to my creditworthiness, resulting in denials of credit, potential higher interest rates, and damage to my financial reputation. Both XXXX XXXX XXXX and the CRAs have demonstrated gross negligence in their obligations under the FCRA, and their actions directly mirror the harmful practices highlighted in the CFPB lawsuits against Equifax and XXXX.
Frequently Asked Questions
What is Complaint #11681728 about?
Complaint #11681728 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-01-20T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Equifax, INC.?
Yes, visit the Equifax, INC. company profile at readthecomplaint.com/company/equifax-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.