Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I. Background 1. This complaint arises from Equifaxs continued reporting of a collection tradeline furnished by XXXX XXXX, XXXX in the amount of {$850.00}, which remains inaccurate, unverifiable, and materially misleading. 
2. On [ date ], I submitted a proper dispute to Equifax pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ). 
3. Equifax has refused to conduct a lawful reinvestigation, instead sending repeated form letters claiming it can not locate a credit file for me. 
4. This claim is contradicted by CFPB Complaint # XXXX, where Equifax admitted that my file exists and confirmed deletion of an account from it. 
5. XXXX  another nationwide CRA, has deleted the same XXXX XXXX tradeline ( and related accounts ) after failing to verify them, which further confirms the information is unverifiable. 



II. Violations of the FCRA 1. Failure to Reinvestigate 15 U.S.C. 1681i ( a ) : In XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), the court held that a CRA must go beyond parroting a furnishers response and conduct a meaningful reinvestigation. 
Equifax ignored this duty by refusing to investigate and by failing to provide the method of verification. 
2. Failure to Disclose Consumer File 15 U.S.C. 1681g ( a ) : Equifaxs no file claims directly conflict with its admission in CFPB case # XXXX. 
This denial of access to my file violates XXXX. 
3. Willful/Negligent Noncompliance 15 U.S.C. 1681n, 1681o : Equifaxs refusal to properly investigate or provide disclosure constitutes at least negligent, and likely willful, noncompliance. 



III. XXXX XXXX Pattern of Abuse XXXX. XXXX XXXX has a long record of violations of the FCRA and FDCPA. 
XXXX. In XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, XXXX. XXXX ( XXXXXXXX XXXX XXXX XXXX courts confirmed that debt buyers are subject to FDCPA/FCRA obligations when furnishing consumer data. 
XXXX. XXXX XXXX has failed to provide validation or proper verification, yet continues reporting inaccurate data to Equifax. 



IV. Harm to Complainant The inaccurate and unverifiable XXXX tradeline damages my creditworthiness, obstructs my ability to obtain credit, and creates inconsistent reporting across bureaus. 
Equifaxs refusal to comply with its obligations under FCRA has caused unnecessary delays, stress, and financial harm. 



V. Relief Requested I respectfully request that the CFPB : 1. Order Equifax to immediately delete the XXXX XXXX tradeline and any other unverifiable accounts. 
XXXX. Require Equifax to provide my complete consumer file under 1681g.

3. Investigate Equifaxs pattern of contradictory reporting ( denying a file while acknowledging one exists ). 
XXXX. Investigate XXXX Fundings furnishing practices for repeated violations of FCRA and FDCPA. 
XXXX. Impose appropriate oversight, enforcement actions, or penalties for willful noncompliance. 



VI. Supporting Exhibits ( Attached ) Prior CFPB Complaint # XXXX response from Equifax ( acknowledging file and deletion ). 
Equifaxs denial letters claiming no file. 
XXXX  deletion notices for the same accounts. 
My original dispute correspondence to Equifax. 



Final Note : This complaint is supported by case law ( XXXX, XXXX ) and demonstrates both CRA and furnisher violations. Equifax is obstructing my rights under FCRA, while XXXX XXXX continues a pattern of abusive and unlawful reporting.

Company response to consumer: Closed with explanation