Consumer complaint received 2025-11-04 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: MD

Complaint narrative:
I recently disputed a collection account being reported on my Equifax Credit report on XX/XX/XXXX that was never properly verified but more specifically the DATE OF FIRST DELINQUENCY and that I have always and continue to dispute that I am legally responsible for the alleged debt. My complaint is that Equifax failed to properly investigate my dispute regarding an incorrect date of first delinquency, as well as failed to review the documentation/Evidence I provided regarding the alleged collection being reported and basically in 3 days stated they took the data furnishers word that it was correct. The collection being reported on my Equifax Credit report is listed by Absolute Resolutions. In XXXX of my previous disputes, The data furnisher provided me with documents which they tried to show and use as verification that the debt was valid, However it was incomplete. While reviewing the misc paperwork they sent, Within the documents they show statements that were past due, Late and never brought current as early as XXXX of XXXX which this is now XXXX. The date of first delinquency is the first date the account became past due and was never brought current, Which in this situation according to their own documents, Should be around XX/XX/XXXX or prior making the debt being reported on my consumer report longer than 7 years, as well as they re-aged the alleged debt listing XX/XX/XXXX. However in their own documents it clearly shows past due prior to XXXX of XXXX and was never brought current making the correct date of first delinquency before XXXX of XXXX. I am aware that Equifax was recently charged ion court for this exact violation, that they are still repeating even after having a lawsuit filed against them for these same infractions. 

I am respectfully requesting that the OVERDUE COLLECTION OF LATER THAN 7 years now almost 8 years that's being reported on my Equifax credit report be deleted after conducting a full and proper investigation, As in the documents attached you can clearly see the date of first delinquency is XX/XX/XXXX or earlier, and should be removed per the FCRA after 7 years from the date of first delinquency. Furthermore i respectfully request Equifax be held monetarily liable for repeating the same acts as failing to properly investigate, as well as review any documentation sent as evidence, and just took the data furnishers word for it. The collection being reported is the only collection on my Equifax Credit Report and is being furnished by XXXX XXXX XXXX. 

Attached is the statements sent by XXXX XXXX XXXXhich the claim the original creditor was XXXX on a previous date during their attempt to validate the information and alleged debt, however they left out anything verifying ownership and I have always and still dispute this alleged debt fully. 

Please remove the reported collection being listed by XXXX XXXXXXXX XXXX as it has now been almost 8 years since the correct date of first delinquency as required by the FCRA and is obsolete. 

As you can see in the attached statements they run from Prior to XXXX of XXXX through when they allege it was charged off, Always shows a past due balance, was never brought current, and the original date of first delinquency has to be prior to XXXX of XXXX, Not XXXX as being reported by the data furnisher.

Company response to consumer: Closed with explanation