Consumer complaint received 2025-07-23 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: TX

Complaint narrative:
I am filing this complaint against Equifax for failing to properly investigate and remove an inaccurate and unverifiable account from my credit report, as required by the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). The account, reported by XXXX XXXX XXXX ( data furnisher ) for an alleged debt from XXXX XXXX XXXX XXXX ( account number XXXX ), appears on my Equifax and XXXXXXXX credit reports but not on XXXX, indicating inconsistencies and unverifiability. The account is reported with a balance of {$450.00} and is inaccurately listed as Unpaid without proper validation. 

On or around XX/XX/XXXX, and XX/XX/XXXX, I sent formal dispute letters to Equifax, XXXX XXXX XXXX invoking my rights under FCRA ( 15 USC 1681e ( b ), 1681i ( a ), 1681c, 1681s-2 ) and FDCPA ( 15 USC 1692g ). These letters detailed the following inaccuracies : 1. Unverifiable Account Details : The partially redacted account number ( XXXX ) can not be verified by me as the consumer. 

XXXX. Inconsistent Reporting Dates : Equifax reports the Last Reported date as XX/XX/XXXX, while XXXX reports XX/XX/XXXX. XXXX  does not report the account at all, suggesting unverifiability. This violates 15 USC 1681e ( b ) ( maximum possible accuracy ).

3. Incomplete Account Information : The account lacks essential details such as monthly payment, credit limit, or past-due amounts, rendering it incomplete.

4. Unverified Payment History : The derogatory payment history lacks evidence of billing, validation, or proper notice, violating FDCPA and 15 USC 1692g.

5. Consumer Dispute Remarks : Inconsistent dispute comments across bureaus violate 15 USC 1681i ( a ) ( 5 ).

6. No Date of Last Payment : The absence of this required field makes the delinquency date unverifiable. 

XXXX. No Validation Provided : XXXX XXXX XXXX has not provided a signed contract, payment history, chain of title, or evidence of an insurance claim, as required by 15 USC 1692g ( b ).

8. Obsolete Information : The collection, originating over 12 months ago with a XXXX term, may be obsolete under 15 USC 1681c .

9. Violation of Due Process : Equifaxs failure to conduct a reasonable investigation violates XXXX XXXX XXXX XXXXXXXX and FCRA 1681i ( a ).

In both dispute letters, I requested : ( a ) A detailed payment history, original signed contract, chain of title, and evidence of any insurance claim filed.

( b ) A complete description of the investigation methods, per FCRA 611 ( a ) ( 7 ) and 623, explicitly stating that an e-Oscar 2-digit code readout is insufficient.

( c ) Removal of the account if unverifiable, as required by FCRA and FDCPA.

Equifax responded to both disputes by claiming the account was verified but provided no documented evidence of the verification process, despite my explicit requests. This violates FCRA 1681i ( a ) ( reasonable investigation ) and 1681e ( b ) ( maximum possible accuracy ). The continued reporting by XXXX XXXX XXXX also violates 15 USC 1681s-2 ( b ) ( data furnisher responsibilities ) and 15 USC 1692g ( b ) ( debt validation ). Equifaxs reliance on inadequate verification methods, likely automated systems like e-Oscar, does not meet the legal definition of verification per XXXX v. XXXX ( XXXX XXXX XXXX, XXXX Cir. XXXX ) and XXXX XXXX XXXX, which requires confirmation of truth via affidavit, oath, or deposition. 

The persistent reporting of this inaccurate and unverifiable account has caused financial and emotional harm, including potential damage to my creditworthiness. Equifaxs failure to comply with federal consumer protection laws constitutes willful noncompliance.

Company response to consumer: Closed with explanation