Consumer complaint received 2025-09-23 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: MS

Complaint narrative:
* * XXXX XXXX * * XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Email : [ XXXX ] ( XXXX : XXXX ) Phone : XXXX Date : XX/XX/year> * * Consumer Financial Protection Bureau * * XXXX XXXX XXXX XXXX  XXXX DC XXXX * * Subject : * * Formal Complaint Regarding Duplicate Accounts and Inaccurate Credit Reporting XXXX  Account ( s ) Dear CFPB Representative, I am submitting this formal complaint regarding inaccurate and unauthorized reporting of accounts from * * XXXX * * that are being reported on my credit file by Equifax and XXXX. The following issues require immediate investigation and corrective action : XXXX. * * Duplicate Accounts & Unauthorized Reporting * * * There are two accounts appearing under the name XXXX. I never signed or authorized the second account, but first account which shows a balance of approximately * * \ {$21000.00} * *. This account is listed as a charge-off/lprofit loss but is still reflecting an outstanding balance, which is inaccurate and misleading. 
* Furthermore, I have * * never received a Form 1099-C * * in compliance with IRS regulations regarding cancellation of debt. Reporting a charged-off account with a balance and without proper tax documentation is in violation of * * 15 U.S.C. 1692e ( Fair Debt Collection Practices Act ) * * and * * FCRA 623 ( 15 U.S.C. 1681s-2 ) * *, which requires furnishers to report information accurately. 

XXXX. * * Second Unauthorized Account * * * The second XXXX account was not signed by me, nor do I have any knowledge of it. This account is completely unauthorized. Despite this, Equifax and TransUnion continue to report it monthly as a collection. This constitutes inaccurate and unauthorized reporting under the * * Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) * *.

3. * * Improper Investigation Procedures * * * I have previously disputed these accounts with the credit bureaus, but the investigation results were vague and failed to explain the methodology used or how the outcome was reached. This violates * * FCRA 611 ( 15 U.S.C. 1681i ) * *, which requires a reasonable reinvestigation of disputed information and proper disclosure of procedures followed. 

These inaccuracies are causing substantial harm to my credit profile and are in violation of my rights under federal law. I request the following : * A full and fair investigation into both XXXX accounts. 
* Written documentation explaining how any previous investigation was conducted. 
* Deletion of these accounts if they can not be verified with proper documentation, including original signed contracts and IRS Form 1099-C where applicable. 
* Enforcement of compliance by Equifax and TransUnion to ensure accurate reporting moving forward. 

I respectfully ask the CFPB to review this matter and ensure that my rights under the * * FCRA * * and * * FDCPA * * are upheld. The continued reporting of these accounts without authorization or proper documentation constitutes grounds for deletion and possible violation of the statute of limitations. 

Thank you for your attention to this matter. Please provide written confirmation of your receipt of this complaint and any actions taken. 

Sincerely, * * XXXX XXXX * *

Company response to consumer: Closed with explanation