Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
b'I am writing to formally dispute the insertion of 4 derogatory accounts on my credit report. The accounts in question, The XXXX XXXX XXXX XXXX XXXX is listed as original creditor and theyre an collection agencyXXXX XXXX XXXX XXXX XXXX XXXX is listed as the original creditor and theyrere an collection agency, XXXX XXXX XXXX XXXX XXXX  is listed as original creditor and theyre an collection agency, XXXX XXXX XXXX XXXX XXXX XXXX is listed as original creditor and theyre an collection agency. These 3 accounts were distributed back in XXXX XXXX and TransUnion, Equifax, and Experian have yet to validate these fraudulent accounts per my request. I requested debt validation and for TransUnion, Equifax, and Experian to mail me original contracts with my signature from these 4 companies and neither of the 3 credit bureaus responded to my request. Here we are XXXX XXXX  months later with no response from TransUnion, Equifax, or Experian for debt validation. With that being said after my disputes were sent with no response, and without proper notification or validation, its a direct violation of the Fair Credit Reporting Act (FCRA).\nTo date, I have not received any written notification regarding these fraudulent debts on my credit file, nor has there been any evidence provided that the accounts were verified for accuracy. The lack of compliance with these legal requirements raises significant concerns about your agencys practices and adherence to federal law.\nThe derogatory accounts, that were added to my credit file, was likely added because the collection agencies purchased these fraudulent accounts to collect. The information could not be validated or was determined to be accurate. By inserting these fraudulent accounts without proper verification and notice, your agency is violating consumer protection laws, including but not limited to:\n\n 1. Failure to ensure the accuracy of the information as per 15 U.S.C.  1681e(b).\n\n 2. Unfair practices in reporting under 15 U.S.C.  1681s-2(b).\n\nThis incorrect reporting is causing me undue harm by negatively impacting my credit score and financial standing. As such, I demand the following:\n\n 1. Immediate removal of the inserted fraudulent accounts from my credit report.\n\n 2. Written confirmation that the account has been removed within 10 business days. Updated credit reports mailed to me. \n\n 3. An investigation and audit of your agencys procedures to ensure compliance with FCRA requirements.\n\nIf this issue is not resolved promptly, I will have no choice but to escalate the matter. I am prepared to file formal complaints with the Consumer Financial Protection Bureau (CFPB) and the Federal Trade Commission (FTC), as well as pursue legal action under the FCRA, which allows for statutory damages, punitive damages, and attorneys fees.\n\nI expect your response and confirmation of corrective action within 10 business days from the date of this letter. Thank you for your immediate attention to this matter.'

Company response to consumer: Closed with non-monetary relief