Consumer complaint received 2025-02-26 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: GA

Complaint narrative:
Experian and Equifax to immediately delete the XXXX XXXX XXXX account from my credit report due to failure to conduct a proper investigation, continued reporting of inaccurate information, and failure to comply with FCRA regulations. 

Both XXXX and XXXX have conducted thorough investigations and determined that the disputed XXXX XXXX XXXX account was inaccurate and subsequently removed it from my credit report. 

Experian and Equifax, however, continue to falsely report this account as accurate, despite clear evidence proving otherwise, violating the Fair Credit Reporting Act ( FCRA ). 

Maintaining inconsistent and inaccurate reporting across multiple credit bureaus is a direct violation of federal law, and your refusal to remove this account subjects you to further legal and regulatory action. 

LEGAL VIOLATIONS COMMITTED BY EXPERIAN XXXX EQUIFAX XXXX Violation of FCRA XXXX Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ) Legal Requirement : FCRA XXXX ( a ) ( XXXX ) ( A ) requires consumer reporting agencies to conduct a reasonable reinvestigation of disputed items to determine whether the disputed information is inaccurate. 
Any information that can not be verified must be deleted. 

Violation : XXXX and XXXX have both found the XXXX XXXX XXXX account to be inaccurate and deleted it, proving that Experian and XXXX XXXX was flawed and incomplete. 
Both bureaus failed to request sufficient verification from XXXX XXXX XXXX or XXXX XXXX and instead relied on unverifiable or automated responses. 
Continuing to report inaccurate information despite evidence of its inaccuracy is a clear violation of FCRA XXXX. 

Legal Remedy : Experian and Equifax must immediately delete the account for failure to verify its accuracy. 
Failure to do so entitles me to damages under FCRA XXXX & XXXX. 

XXXX Violation of FCRA XXXX Failure to Ensure Maximum Possible Accuracy ( XXXX U.S.C. 1681e ( b ) ) Legal Requirement : FCRA XXXX ( b ) requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy in consumer reports. 
If information is found to be inaccurate by XXXX bureau, all credit bureaus must ensure accuracy. 

Violation : XXXX and XXXX deleted the account, confirming it was inaccurate. 
Experian and Equifax continue to report this same account despite being presented with evidence that it is incorrect. 
By refusing to delete the account while other bureaus have removed it, Experian and Equifax are in direct violation of their legal obligation to ensure accuracy. 

Legal Remedy : Experian and Equifax must immediately delete this account to ensure accuracy across all three bureaus. 
Failure to comply allows me to pursue statutory damages under FCRA. 

XXXX Violation of FCRA XXXX Duty of Furnishers to Provide Accurate Information ( XXXX U.S.C. 1681s-2 ) Legal Requirement : FCRA XXXX ( a ) prohibits furnishers from reporting inaccurate or unverifiable information to credit bureaus. 
If a furnisher can not verify an account, the account must be deleted. 

Violation : XXXX XXXX XXXX ( or its debt buyer XXXX XXXX XXXX has failed to provide proper documentation to Experian and Equifax, yet both bureaus continue to report the account. 
There is no signed contract, chain of title, or legal agreement authorizing XXXX or XXXX XXXX to report this account. 
By failing to verify ownership and accuracy of the debt, Experian and Equifax are in violation of FCRA XXXX. 

Legal Remedy : If XXXX XXXX XXXX or XXXX XXXX can not provide verifiable documentation, Experian and Equifax must delete the account immediately. 
Continued reporting without documentation is grounds for statutory damages. 

XXXX Violation of CFPB XXXX Laws Unfair & Deceptive Practices ( 12 U.S.C. 5531 ) Legal Requirement : The CFPB prohibits Unfair, Deceptive, or Abusive Acts or Practices ( XXXX  ), including misleading consumers about their disputes and providing inconsistent credit reporting. 

Violation : By failing to remove an account that both XXXX and XXXX have already deleted, Experian and Equifax are engaging in deceptive and unfair practices. 
Both bureaus falsely claim their investigations are thorough while providing no documented proof. 

Legal Remedy : Experian and Equifax must delete the account immediately. 
CFPB complaints will be filed for noncompliance. 

FCRA XXXX XXXX of Information Resulting from Identity Theft ( 15 U.S.C. 1681c-2 ) : Requirement to XXXX XXXX : CRAs must block the reporting of information that a consumer identifies as resulting from identity theft within XXXX business days of receiving appropriate proof, such as an identity theft report. 
Prohibition on Refurnishing Blocked Information : Once information has been blocked due to identity theft, furnishers are prohibited from refurnishing the blocked information. 

Violation of CFPB XXXX XXXX XXXX XXXX XXXX  XXXX Legal Requirement : Furnishers of information are required to conduct a reasonable investigation upon receiving a direct dispute from a consumer. 
Failure to investigate or respond appropriately violates CFPB regulations. 

Violation : Experian and Equifax have failed to investigate thoroughly and continue to report inaccurate information despite being aware of XXXX and XXXX findings. 
Their refusal to conduct a legitimate investigation is a direct violation of CFPB XXXX XXXX. 

Failure to Provide Required Disclosures ( FCRA XXXX ( a ) ) : Right to Information : Consumers are entitled to request all information in their file from a consumer reporting agency ( CRA ). If a CRA verifies disputed information but refuses to disclose the evidence or documentation used in that verification, it may violate the consumers right to access their information. 
XXXX. Negligent or Willful Non-Compliance ( FCRA XXXX, XXXX ) : Liability for Non-Compliance : If a CRA or XXXX fails to comply with FCRA requirements, such as conducting a reasonable reinvestigation or providing necessary disclosures, they may be liable for damages. Willful non-compliance can result in punitive damages, while negligent non-compliance may lead to actual damages. 

FINAL DEMAND REMOVE THIS ACCOUNT IN XXXX BUSINESS DAYS I am giving Experian and Equifax exactly XXXX business days from the date of this letter to : XXXX Immediately delete the fraudulent XXXX XXXX XXXX account. 
XXXX Provide written confirmation that the account has been removed. 
XXXX If Experian or Equifax claims the account is verified, provide ALL of the following documents : Signed contract proving I authorized the account. 
The name, contact information, and method of verification used. 
Payment records or validation from the original creditor. 
Chain of title proving ownership of the account. 
XXXX Cease all further reporting of this fraudulent account. 
XXXX Ensure maximum accuracy across all bureaus by following XXXX and XXXX deletion of the account. 

I am requesting the following information regarding this alleged debt : XXXX. Validation of the XXXX ( FDCPA 1692g ( b ) ) A copy of the original signed contract or agreement that created this obligation. 
Proof that I agreed to this debt and am legally responsible for it. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX chain of title showing all transfers of this debt from the original creditor to your company. 
Proof that you have been legally assigned or purchased this debt and have the right to collect. 
XXXX. Complete Payment History & Balance Breakdown ( TILA 1666b Billing Error Resolution ) A full payment history showing how the claimed balance was calculated. 
A detailed breakdown of principal, interest, fees, penalties, and other charges. 
Proof that each periodic statement containing a late payment or fee was mailed to me at least XXXX  days before the payment due date ( TILA 1666b ). 
XXXX. XXXX XXXX & XXXX XXXX The name, address, and contact information of the original creditor. 
The name of the furnisher who reported this debt to credit bureaus. 
XXXX. Proof of Compliance with State & Federal Laws Proof that this debt is not time-barred under the Statute of Limitations in my state. 
Your companys debt collection license number ( if required by my state ). 
XXXX. Cease All Collection Activity Until Validation is Provided ( FDCPA 1692g ( XXXX ) ) Per 15 U.S.C. 1692g ( b ), you must cease all collection efforts until you provide the requested validation. 
Any continued collection activity without proper validation violates federal law and may result in legal action. 

LEGAL ACTION IF YOU FAIL TO COMPLY If Experian and Equifax fail to comply within XXXX business days, I will take the following actions without further notice : File a XXXX XXXX Experian XXXX Equifax in Small Claims or XXXX XXXX XXXX a formal complaint with the CFPB and FTC for investigation. 
Report both bureaus to my XXXX Attorney General for consumer protection violations. 
Seek statutory damages of {$1000.00} per violation and compensation for harm to my creditworthiness. 

XXXX XXXX and XXXX have already deleted the account, confirming its inaccuracy, yet Experian and Equifax refuse to remove it. 
XXXX Experian and Equifax failed to conduct a reasonable reinvestigation as required by FCRA XXXX. 
XXXX They continue to report unverifiable information in violation of FCRA XXXX ( b ) ( ensuring maximum accuracy ). 
XXXX They ignored your FTC Identity Theft Report, violating FCRA XXXX ( requirement to block fraudulent accounts within XXXX business days ). 
XXXX They failed to provide any documentation proving the validity of the account. 
XXXX CFPB has confirmed their violation of federal law, and this ongoing reporting is harming your creditworthiness.

Company response to consumer: Closed with explanation