Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am submitting this follow-up dispute to formally challenge the continued reporting of an account that remains inaccurate, disputed, and unresolved, despite escalation through the Consumer Financial Protection Bureau ( CFPB ).

This dispute specifically references a CFPB complaint in which the furnisher responded and marked the matter closed with explanation, without resolving the accuracy of the account. The CFPB record and the furnishers response demonstrate that the dispute remains active and unresolved, and therefore the account can not lawfully continue to be reported as accurate.

Background and CFPB Reference I filed a CFPB complaint regarding this account after repeated disputes failed to result in correction. The furnisher responded to the CFPB but did not provide independent verification of authorization, relied primarily on internal records, and did not substantively resolve the dispute. Despite this, the account continues to appear on my credit file.

The CFPB case and the furnishers response confirm : The account remains formally disputed The accuracy of the account is contested The furnisher relied on internal documentation rather than independent verification The matter was administratively closed, not factually resolved Administrative closure does not convert disputed information into verified information.

Why Continued Reporting Is Improper Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies may not continue to report information as accurate when : The consumer has disputed the account The dispute remains unresolved Verification relies solely on furnisher confirmation without independent substantiation The CFPB response demonstrates that the furnisher did not provide independent proof of authorization and did not resolve the underlying dispute. As such, continued reporting violates FCRA 611 and 607 ( b ).

Required Reinvestigation I am requesting a new reinvestigation that includes : Review of the CFPB complaint and the furnishers response Determination of whether the furnisher provided independent verification, not merely internal confirmation Confirmation of whether the account can be verified beyond dispute If the furnisher can not provide lawful verification, the account must be deleted.

Required Action Please take one of the following actions in compliance with federal law : Delete the account if it can not be independently verified, or Provide written confirmation of the specific method of verification used, including : What documents were reviewed How authorization was verified Whether identity theft indicators were evaluated Absent this, continued reporting is improper.

Notice of Record Escalation This dispute is part of an escalation record that includes : Prior bureau disputes A CFPB complaint A furnisher response acknowledging the dispute but not resolving it Please ensure that the outcome of this reinvestigation is accurate, documented, and compliant with the FCRA.

Conclusion Because the CFPB record confirms that this dispute remains unresolved, I am requesting immediate corrective action. Continued reporting without lawful verification is not permitted.

Please complete this reinvestigation within the statutory timeframe and provide written confirmation of the outcome.

Where to Use These Equifax Upload as additional dispute explanation or mail Experian Paste into Add a statement / upload document TransUnion Upload as dispute attachment or mail If you want next, I can : Customize each letter by bureau name Add identity theft language ( if applicable ) Prepare a final reinsertion-blocking notice Draft a notice of intent to escalate if deletion fails Convert this into certified mail format Just tell me which bureau youre submitting to first. 

include the name of the company that I am complaining - XXXX XXXX XXXX Below is the revised credit bureau follow-up dispute, now explicitly naming the furnisher : XXXX XXXX XXXX XXXX and referencing the CFPB record and company response. 
This version is ready to send to Equifax, Experian, and TransUnion. 

XXXX XXXX  CREDIT BUREAU FOLLOW-UP DISPUTE ( XXXX XXXX XXXX XXXX XXXX XXXX * Re : Formal Follow-Up Dispute XXXX XXXX XXXX XXXX I am submitting this formal follow-up dispute regarding the continued reporting of an account furnished by XXXX XXXX XXXX XXXX, which remains inaccurate , disputed , and unresolved, despite escalation through the Consumer Financial Protection Bureau ( CFPB ).

This dispute specifically references a CFPB complaint filed against XXXX XXXX XXXX XXXX, in which the company submitted a response and marked the matter closed with explanation, even though the accuracy and authorization of the account remain disputed. 

Background and CFPB Reference After repeated disputes failed to result in correction, I escalated this matter to the CFPB. XXXX XXXX XXXX XXXX responded to the CFPB complaint ; however, the response did not resolve the dispute. 

The CFPB record confirms that : The account furnished by XXXX XXXX XXXX XXXX remains formally disputed The company relied primarily on internal records and servicing history No independent verification of consumer authorization was provided The case was administratively closed, not factually resolved An administrative closure does not convert disputed information into verified or accurate information. 

Why Continued Reporting by XXXX XXXX XXXX Is Improper Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies may not continue reporting information as accurate when : The consumer has disputed the account The dispute remains unresolved Verification relies solely on furnisher confirmation rather than independent substantiation The CFPB response from XXXX XXXX XXXX XXXX demonstrates that the company did not provide independent proof of authorization and did not cure the dispute. Continued reporting under these circumstances violates FCRA 611 and 607 ( b ).

Required Reinvestigation I am requesting a new reinvestigation that includes : Review of the CFPB complaint and XXXX XXXX XXXX XXXX response Determination of whether the furnisher provided independent verification, not merely internal confirmation Assessment of whether the account can be verified beyond dispute If XXXX XXXX XXXX XXXX can not provide lawful verification, the account must be deleted. 

Required Action Please take one of the following actions in compliance with federal law : Delete the XXXX XXXX XXXX account if it can not be independently verified, or Provide written confirmation of the specific method of verification used, including : What documents were reviewed How authorization was verified Whether identity theft or fraud indicators were evaluated Absent this, continued reporting is improper. 

Notice of Record Escalation This dispute is part of an escalation record that includes : Prior credit bureau disputes A CFPB complaint naming XXXX XXXX XXXX XXXX A company response acknowledging the dispute but not resolving it Please ensure the outcome of this reinvestigation is accurate, documented, and FCRA-compliant. 

Conclusion Because the CFPB record confirms that the dispute with XXXX XXXX XXXX XXXX remains unresolved, I am requesting immediate corrective action. Continued reporting without lawful verification is not permitted. 

Please complete this reinvestigation within the statutory timeframe and provide written confirmation of the outcome.

Company response to consumer: Closed with explanation