Consumer complaint received 2024-10-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (TX)

I am filing this complaint regarding Equifaxs failure to comply with my dispute letter dated XX/XX/year> ( Dispute Identification : XXXX ), which addresses multiple inaccuracies in my credit report. I requested comprehensive validation and verification of the disputed items. Despite the legal obligations under the Fair Credit Reporting Act ( FCRA ), Equifax has not responded to my dispute within the legally mandated 30-day period. 

Summary of Disputed Items : Late Payments : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
The accounts listed reflect late payments that I believe are inaccurate. I requested that Equifax provide complete payment histories from the original creditors to verify the accuracy of these late payments. 
Account Inaccuracies : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts reflect incorrect charge-off statuses and amounts. I requested Equifax to verify these accounts with the original creditors and correct the errors. 
Collections and Charge-Off Accounts : Several accounts, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and others, are showing incorrect charge-off statuses and balances. 
I requested these accounts be updated to Paid in Full or be deleted if verification could not be provided. 
Unvalidated Debts : Accounts : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and others. 
These accounts reflect unvalidated debts or incorrect amounts. I requested detailed documentation proving the validity of these debts, which Equifax has failed to provide. 
Violations of the Fair Credit Reporting Act ( FCRA ) : Failure to Ensure Maximum Accuracy ( FCRA Section 607 ( b ) ) : Equifax is required to ensure that the information reported on my credit report is accurate. By retaining inaccurate late payments, incorrect charge-off statuses, and unvalidated debts, Equifax has failed to fulfill this obligation.

Failure to Conduct a Reasonable Reinvestigation ( FCRA Section 611 ( a ) ) : Despite the 30-day period provided by law to reinvestigate disputes, Equifax has failed to complete or provide a reasonable reinvestigation of the disputed items. No verification or corrections have been made, violating FCRA Section 611 ( a ).

Failure to Provide Documentation and Verification ( FCRA Section 609 ( a ) ) : I explicitly requested documentation verifying the accuracy of the disputed items, including complete account histories, original contracts, and proof of identity and authorization used to open the accounts. Equifax has not provided any of the requested documentation, in violation of FCRA Section 609 ( a ).

Improper Use of Automated Systems or Third-Party Databases : In my dispute, I explicitly demanded that Equifax not rely on automated systems such as e-OSCAR or third-party data aggregators like XXXX for verification, and instead obtain direct verification from the original creditors. Equifaxs reliance on automated systems does not meet the FCRAs standard for accuracy and completeness in a reinvestigation.

Impact : Equifaxs failure to respond and correct these inaccuracies has caused : Emotional distress : The unresolved inaccuracies have caused significant emotional harm and financial stress. 
Financial harm : The continued reporting of incorrect information has resulted in credit denials and increased interest rates, leading to additional financial costs. 
Requested Resolution : I request that the CFPB require Equifax to : Delete all inaccurate late payments, charge-offs, and unvalidated debts from my credit report. 
Provide me with documentation showing how each disputed item was verified with the original creditor. 
Ensure that all responses and future communications are sent via certified mail with return receipt requested, as I explicitly stated that electronic responses would not be accepted.