Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am filing this complaint against all three credit reporting agencies because I have been disputing multiple negative items for months, and none of the credit bureaus have provided a single piece of legally required verification. 

I submitted disputes on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX This is XXXX separate disputes across several months, and I still have not received ANY verification for any negative item on my credit report. 

Instead of providing verification, all three bureaus have sent : Copies of my credit report ( which is NOT verification ) Stall letters saying XXXX working with a third party Letters saying I claimed identity theft Notices saying they could not process my request No documentation at all that proves anything I am not working with a third party. 
I have not claimed identity theft. 
Every dispute was submitted by ME directly. 
These are known industry stall tactics, and they violate multiple sections of federal law. 
FCRA VIOLATIONS BY ALL THREE CREDIT BUREAUS The credit bureaus are violating : FCRA 611 ( a ) ( 1 ) ( A ) Failure to conduct a reasonable investigation within 30 days.

FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) Failure to provide the method of verification when I requested it.

FCRA 607 ( b ) Duty to maintain maximum possible accuracy they can not report what they can not prove.

FCRA 611 ( a ) ( 5 ) If an item can not be verified, it must be deleted. 
All three bureaus have marked items verified but provided NO documentation. 
Verified is not verification. 
WHAT IS REQUIRED TO VERIFY EACH TYPE OF ACCOUNT, SINCE YOU ALL DON'T KNOW : The credit bureaus keep sending stall letters instead of legally required documentation. 
Since they clearly do not understand what verification is, here is what they are required to send : XXXX. LATE PAYMENTS REQUIRED VERIFICATION Full payment history from the furnisher Internal records showing how the delinquency was determined System notes confirming the dates were accurate Bank statements or payment receipts proving the late date If they can not show the documents proving the date, it is considered hearsay, which is NOT allowed. 
XXXX. COLLECTION ACCOUNTS REQUIRED VERIFICATION Under FDCPA 809 ( b ) and FCRA accuracy standards, verification must include : Original signed contract bearing my signature Full itemized ledger showing how the balance was calculated Proof of assignment or ownership from the original creditor Complete account history from day XXXX Documentation from the original creditor confirming accuracy A bill, invoice, screenshot, or basic printout is NOT validation. 
XXXX. CHARGE-OFFS REQUIRED VERIFICATION Original signed agreement Full accounting breakdown Internal charge-off documentation Proof the balance is accurate and legally collectible Metro 2compliant reporting data None of this has been provided. 
XXXX. INQUIRIES REQUIRED VERIFICATION Name of the company who pulled my credit Date, method, and purpose of the pull Database logs confirming permissible purpose I have not received any of this. 
ADDITIONAL ISSUES I have : Failure to Update Personal Information Despite multiple requests, my personal information has NOT been updated, which is an FCRA violation. 
Fraud Alerts Added Without My Consent I did NOT request any fraud alerts. 
If any were added, they must be removed immediately. 

I am fully aware that : Experian Equifax TransUnion have all been sued many times for : Failing to investigate disputes Failing to verify debts Reinserting negative information without notice Reporting information they can not confirm Using automated stall letters instead of doing real investigations Data breaches exposing consumer information These are well-documented federal violations.

Company response to consumer: Closed with explanation