Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Disclosure : As a consumer fully exercising my rights under the Fair Credit Reporting Act, I am documenting each step in preparation for formal legal escalation, if necessary.

Clarification : This complaint is separate and distinct from any previously filed complaints against Equifax, Experian, and TransUnion. It addresses new violations and failures, specifically their refusal to provide verification documentation under FCRA 1681g and 1681i ( a ) ( 6 ) ( B ) ( iii ). It is not
duplicative in subject matter or legal basis. This is not a Re-Dispute. 

Subject : Complaint Against Equifax, Experian, and TransUnion for Mishandling of XXXX XXXX XXXX Dispute FCRA Violations 611, 623, and Refusal to Provide Verification Documentation per 1681g and 1681i ( a ) ( 6 ) ( B ) ( iii ) Narrative : This complaint is directed against Experian, Equifax, and TransUnion for their willful and negligent participation in the continued reporting of an unverified, fabricated, and unauthorized account allegedly owned by XXXX XXXX XXXXXXXX XXXX XXXX, in violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ). 
Despite receiving prior dispute notices, detailed documentation, and verification demands, the CRAs have not permanently deleted this account from my consumer credit file. Instead, they appear to be relying on a materially deficient, deceptive, and non-verifying response from the data furnisher, which fails to meet the statutory requirements of FCRA. 
I have included key annotated excerpts from the response XXXX XXXX XXXX submitted to the CFPB ( Exhibit XXXX ), highlighting specific pages and sections that demonstrate clear violations of the Fair Credit Reporting Act.

This submission constitutes : A formal FCRA 1681g and 1681i ( a ) ( 6 ) ( B ) ( iii ) verification demand ; A final CFPB complaint against the CRAs ; And a pre-litigation warning of my intent to sue all responsible parties for willful noncompliance under FCRA 616 and 617. 
Legal Grounds for Deletion The following sections of the Fair Credit Reporting Act are being violated by the continued reporting of this account : 1. 1681i Failure to Conduct Reasonable Reinvestigation 2. 1681g Failure to Disclose Verification Method 3. 1681s-2 ( b ) Furnisher 's Duty to Investigate 4. 1681e ( b ) / 607 ( b ) Maximum Possible Accuracy 5. 1681c-1 ( a ) ( 3 ) Ongoing Dispute Status 6. 1681b Lack of Permissible Purpose Evidence Summary ( Detailed Citations and Exhibits Available ) No Signed Contract or Authorization : XXXX submitted an unsigned, generic agreement with no evidence of consumer acknowledgment or acceptance. They also explicitly refused to provide any documentation proving legal ownership of the account or authorization to collect or report it.. 
No Chain of Title with Account-Level Detail : The " Ownership History '' provided lists internal entities without supporting assignment documentation. 
No Proof of Mailing or Validation : The only mailed letter dated XX/XX/year>, contains no legally valid debt validation. 
Fabricated Billing Statements : Missing transactions, phantom charges, and inflated balances across 10 billing cycles.

Post-Charge-Off Reporting Gap : No payment history reported between charge-off and ownership transfer.

No Transaction Receipts or Mailing Proof : There is no evidence that I authorized or made any of the alleged charges. Additionally, XXXX has provided no proof that billing statements were ever mailed, nor any evidence that such mailings were received. 
Unverifiable Licensure in XXXX : Conflicting license numbers without proof of validity. 

Conclusion & Demand Any attestation that this information was verified as accurate or updated without substantiating records may constitute false testimony, constructive fraud, or deceptive business practices. This is particularly concerning in light of XXXX XXXXesponse, which suggests that the verification processes used by Equifax, Experian, and TransUnion may be inadequate and potentially misleading. 
This account is a textbook example of a phantom debt : fabricated charges, absent verification, broken legal chains of ownership, and predatory reporting tactics. The CRAs are actively participating in a scheme that has caused me direct financial harm and obstructed my ability to secure critical business funding. 

This is a notice of intent to legal escalation. If the XXXX XXXX XXXX tradeline is not deleted from all three of my credit reports within 15 calendar days of this complaint, I will : File suit in small claims or civil court under FCRA 616 and 617 ; Notify the New York Attorney General, FTC, and other relevant regulators ; Publicly document this complaint as part of my evidence record.

However, if the CRAs act in good faith and permanently delete the account within 15 calendar days, I will consider the matter resolved in full and will take no further action.

All referenced exhibits XXXX XXXX XXXX XXXX and Exhibits XXXX  ) will be submitted via the CFPB complaint upload system. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation