Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #13440640
Complaint Overview
Complaint ID: 13440640
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: Their investigation did not fix an error on your report
State: Georgia
ZIP Code: 30310
Date Received: 2025-05-09T12:00:00-05:00
Date Sent to Company: 2025-05-09T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Whom It May Concern, I am submitting this follow up complaint against Equifax for the repeated, and willful violations of the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), as they pertain to my personal credit file and my rights as a consumer. Despite my multiple, clear, and well-documented previous disputes and complaints regarding inaccurate and unverifiable information, none of these nationwide consumer reporting agencies have provided me with certified verification substantiating the accuracy of the disputed accounts. I have repeatedly requested, in writing, detailed methods of verification and supporting documentation, yet I have received neither the required information nor any genuine investigation as mandated by federal law. Although this complaint is directed to Equifax, I want to mention supporting claims that recent enforcement actions and lawsuits by the Consumer Financial Protection Bureau ( CFPB ) underscore the seriousness and systemic nature of these violations : XXXX : In XX/XX/year>, the CFPB filed suit against XXXX for conducting sham investigations of credit report errors, failing to properly intake, process, investigate, and notify consumers about the results of their disputes. The CFPB alleges that XXXX not only ignored evidence provided by consumers but also illegally reinserted inaccurate information that had previously been removed, in direct violation of the FCRA. Equifax : In XX/XX/year>, Equifax was ordered to pay a {$15.00} XXXX civil penalty for failing to conduct proper investigations of consumer disputes, reinserting previously deleted inaccuracies, and sending consumers confusing and contradictory letters regarding the status of their disputes. The CFPB found that XXXX practices violated the FCRAs requirements for dispute investigation and accuracy, and the company was ordered to overhaul its dispute resolution process to comply with federal law. XXXX : Most recently, XXXX agreed to a {$23.00} XXXX class action settlement ( XXXX XXXX XXXX XXXX XXXX XXXX ) after being accused of failing to properly investigate consumer disputes regarding unauthorized or inaccurate hard inquiries. The lawsuit alleged that XXXX failed to contact companies responsible for disputed inquiries and did not remove challenged items from credit files, in violation of the FCRA. The settlement covers nearly half a XXXX consumers and mandates changes to XXXX dispute handling practices. These recent actions by the CFPB and the courts confirm that my experience is not isolated, but part of a broader pattern of willful noncompliance and disregard for consumer rights by all three major credit bureaus. Let me be absolutely clear : If these agencies do not comply with their statutory obligations and remove all unverifiable, disputed, and improperly reinserted records within XXXX ( XXXX ) days of this notice, I will pursue all available legal remedies. This includes seeking damages for : Failure to safeguard my private and personal information Allowing unauthorized inquiries Repeated negligence in correcting my credit reports Modifying my reports without my consent Furnishing unverifiable information without proper investigation Ignoring the concrete evidence I have provided The ongoing harm caused by continued false reporting As established in the above-referenced cases and under the FCRA, I am entitled to seek actual, statutory, and punitive damages, as well as attorneys fees, for both negligent and willful violations.
Frequently Asked Questions
What is Complaint #13440640 about?
Complaint #13440640 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 2025-05-09T12:00:00-05:00.
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.