Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding Equifaxs handling of a disputed account on my credit report. Based on the ongoing lawsuit against Equifax and my own experience, I believe Equifax has failed to conduct a thorough investigation and has continued to report inaccurate information in violation of the Fair Credit Reporting Act ( FCRA ). **Issues with Equifaxs InvestigationXXXX XXXX. **Lack of Proper Verification : ** XXXX has allegedly verified an account without conducting a complete and fair investigation. I request clarification on XXXX Equifax XXXX with, when, and what evidence was used** to confirm the validity of this account. XXXX. **Failure to Enforce a Pay-to-Delete Agreement : ** I have a recorded agreement confirming that the creditor agreed to delete this account upon payment. Despite this, the account remains on my credit report. This constitutes **a breach of agreement and unfair reporting practices**. On XX/XX/XXXX after numerous calls to XXXX for complete account details. I gave up and tried multiple times to make a payment. They did not take my payment on the phone as per recording attached XX/XX/XXXX XXXX am with Customer Rep XXXX and I was told to make the payment in the store when I returned the equipment. I was promised by this XXXX representative XXXX that this account would be deleted from my credit report when payment was made and equipment received. XX/XX/XXXX I visited the XXXX located at XXXX XXXX XXXX XXXX XXXX. after an hour wait I was allowed to return the equipment but not make the payment. They stated because it was disconnected they couldn't take the payment. I stopped at the XXXX at XXXX XXXX XXXX XXXX as well I also called to make a payment later that month but was told it was with a collection company. The account was always with XXXX though.I spoke to a few reps and let them know about the issues I was having and let them know about the agreed pay to delete that should be noted on my account. They all refused to honor the agreement or take payment and XXXX even hung up on. I finally was allowed to make the payment around XXXX. At this time I have several lates and an unfair destruction of my credit. XXXX has never regularly reported this credit account and has not upheld their pay to delete agreement. Leading to unfair credit reporting and fraudulent activity. I am submitting this formal complaint regarding Equifaxs handling of a disputed account on my credit report. Based on the ongoing lawsuit against Equifax and my own experience, I believe Equifax has failed to conduct a thorough investigation and has continued to report inaccurate information in violation of the Fair Credit Reporting Act ( FCRA ). **Issues with equifaxs Investigation** XXXX. **Lack of Proper Verification : ** Equifax has allegedly verified an account without conducting a complete and fair investigation. I request clarification on **who Equifax spoke with, when, and what evidence was used** to confirm the validity of this account. XXXX. **Failure to Enforce a Pay-to-Delete Agreement : ** I have a recorded agreement confirming that the creditor agreed to delete this account upon payment. Despite this, the account remains on my credit report. This constitutes **a breach of agreement and unfair reporting practices**.