Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I first sent XXXX XXXX XXXX XXXX XXXX a certified-mail debt validation request on XX/XX/XXXX ( delivered XX/XX/XXXX ). 
XXXX failed to provide any valid response within the XXXX validation period. 

I then submitted that original validation request, proof of mailing and delivery, and supporting documentation to Equifax on XX/XX/XXXX as part of my initial dispute of the XXXX XXXX XXXX tradeline ( Account XXXX ). 
I submitted the same documentation again with subsequent disputes on XX/XX/XXXX and XX/XX/XXXX, each time including full proof of validation service and identity verification. 

Despite receiving all of this evidence, Equifax repeatedly marked the account Verified and Updated after each dispute, indicating that they did not conduct a reasonable reinvestigation as required under 15 U.S.C. 1681i. instead they claimed I needed to attach a copy of my social security card and that the giant print out of my drivers license I attached was illegible. Ive attached that exact packet they received proving no investigation was done and a clear obstruction on their part. 

After these disputes, in CFPB Complaint No. XXXX, XXXX XXXX XXXX XXXX XXXX submitted documents to the CFPB admitting that the debt was inaccurate, stating verbatim : Rent should not have been charged for XX/XX/XXXX. Move Out XX/XX/XXXX. 

This admission demonstrates that the reported balance was factually inaccurate and legally unverifiable. 

Despite this admission of inaccuracy, Equifax continued to report the tradeline and did not delete the account from my credit report. 

I also attempted to clarify the dispute with Equifax during a telephone call, during which an Equifax Dispute Center Supervisor told me the dispute could not be properly processed because I did not submit a Social Security card, even though I provided a clear copy of my drivers license. The call was lawfully recorded with an XXXX feature that notifies the other party the call is being recorded. 

What I wanted the company to do : I wanted Equifax to properly reinvestigate the XXXX XXXX XXXX tradeline, review all documentation provided ( including the admission from XXXX ), and delete the account from my credit report because it is inaccurate and unverifiable. 

Why this is a problem : Equifax repeatedly verified the account despite having clear documentation that the debt was never validated. 
Equifax continued to report information that the furnisher openly admitted was inaccurate. 
Equifax failed to conduct a reasonable reinvestigation as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). 
Equifax imposed an unreasonable identification requirement that had no basis in the FCRA. 

Also in XX/XX/XXXX, the CFPB sued XXXX  XXXX XXXX XXXX XXXX for conducting sham investigations meaning it failed to properly investigate consumer disputes, simply accepted furnisher responses without critically evaluating them, and left inaccurate information on reports. That is exactly what has happened here. 


Complaint details : Account : XXXX XXXX XXXX XXXX XXXX collection account ( Account XXXX ) Initial debt validation request : XX/XX/XXXX Disputes to Equifax : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX CFPB complaint to XXXX with admitted inaccuracy : CFPB Complaint No. XXXX

Company response to consumer: Closed with explanation