Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
What happened? 
I am submitting a formal complaint regarding XXXX inaccurate, unverified, and misleading debt collection accounts that are damaging my credit profile and have been repeatedly disputed with no meaningful resolution. 

XXXX. Fair Collections & Outsourcing ( FCO ) Account # : XXXX | XXXX : {$4900.00} This account is an alleged property rental debt. I have disputed this account multiple times with both XXXX and the credit reporting agencies. Despite these disputes, the account continues to appear with no supporting documentation, no itemized breakdown, and no lease or final accounting. 

Both XXXX and the credit bureaus consistently respond that the account has been verified as accurate, even though the tradeline includes : Incomplete and inconsistent information No verification of legal liability No proper itemization of the {$4900.00} balance No proof of Fair Collections & Outsourcings legal authority to report or collect this debt This violates : FCRA 623 ( a ) ( 1 ) ( A ) Prohibits reporting of information known to be inaccurate FCRA 611 ( 15 U.S.C. 1681i ) Requires reasonable reinvestigation when a dispute is submitted FDCPA 809 ( b ) Requires debt validation upon written request before continuing collection efforts XXXX. XXXX XXXX XXXX c/o XXXX XXXX XXXX Account # : XXXX | Balance : {$600.00} This is an alleged credit card debt that I have also disputed several times directly with both the debt collector and the credit bureaus. 

Again, they continue to respond that the account is verified as accurate, yet the following issues remain unresolved : No signed credit card agreement proving liability No complete billing history or accounting of the balance No proof that XXXX Funding lawfully owns or was assigned the debt No validation under FDCPA requirements Multiple inaccurate reporting dates and account inconsistencies Continued reporting of this account without proper validation or documentation violates : FCRA 623 ( b ) Furnishers must correct or delete inaccurate information after a dispute FDCPA 807 Prohibits misrepresentation of the legal status or amount of a debt FDCPA 809 ( b ) Requires suspension of collection activity until the debt is validated Despite my repeated attempts to resolve both accounts, they remain on my credit reports with inaccurate balances, inconsistent dates, and no validation. Simply labeling these as verified is not a substitute for the legal responsibility to conduct a thorough investigation and provide evidence. 

Supporting Case Law : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) XXXX CRA must do more than confirm with the furnisher ; it must conduct a reasonable, independent investigation. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Creditors and agencies can be held liable for willfully failing to investigate and correct inaccurate information. 

XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Furnishers and CRAs XXXX be found liable for failing to delete or correct inaccurate information after being notified.

Company response to consumer: Closed with non-monetary relief