Consumer complaint received 2025-09-01 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX Phone : XXXX XXXX To : Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Account Source XXXX XXXX Account # : XXXX To Whom It May Concern, I am writing regarding the above-referenced collection account reported by Source XXXX XXXX XXXX XXXX XXXX XXXX on my Equifax credit file. Your prior response requesting additional identity verification does not excuse Equifax from its obligations under federal law to investigate, correct, or delete inaccurate information. 

Disputed Account Details : Source XXXX XXXX, Account # : XXXX, XXXX XXXX XXXX {$290.00} Legal Violations : FCRA 611 ( 15 U.S.C. 1681i ) Duty to Reinvestigate Equifax is legally required to conduct a reasonable reinvestigation of disputed items within 30 days. The collection account is unverified, with no documentation proving its existence, assignment, or validity. Equifaxs failure to delete or mark unverifiable information is a direct violation.

FCRA 607 ( b ) & 1681e ( b ) Maximum Accuracy Requirement Equifax is mandated to maintain the maximum possible accuracy of all information reported. Reporting an account without verification constitutes a material inaccuracy, causing financial harm and reputational damage.

FDCPA 809 ( a ) Debt Validation As Source XXXX XXXX  has not provided sufficient evidence of the debt or proof of authority to collect, continued reporting violates the Fair Debt Collection Practices Act and subjects Equifax to liability under FCRA for publishing unverifiable information. 

SHAM Act Misrepresentation and Manipulation By reporting unverifiable and unsubstantiated collections, Equifax is complicit in credit profile manipulation, constituting reckless misrepresentation. 

Also my only address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX all other associated address need to be removed immediately. 

Emotional & Financial Harm : The continued reporting of this unverified account has caused : Denial of credit and increased loan/insurance rates Emotional distress and reputational harm Tangible financial hardship Demand for Immediate Action : Equifax is hereby ordered to : Delete the account ( XXXX ) immediately from my credit report. 

Cease reporting this collection until full validation is provided. 
Provide written confirmation of deletion within 15 calendar days of receipt.

Legal Consequences of Noncompliance : Failure to comply will result in : Filing an updated CFPB complaint Reporting to the Federal Trade Commission ( FTC ) and State Attorney General Pursuing legal action under FCRA 1681n & 1681o, FDCPA 809, SHAM Act, and applicable state consumer protection statutes for statutory, actual, and punitive damages Final Warning : No contract = no lawful reporting. No validation = FDCPA violation. Reporting unverifiable debt = FCRA violation. Continued reporting constitutes willful noncompliance and exposes Equifax to legal and financial liability. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Email : XXXX Phone : XXXX

Company response to consumer: Closed with explanation