Consumer complaint received 2025-09-09 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, XXXX XXXX, am writing to file a formal complaint regarding Equifax 's continued reporting of inaccurate and unverified accounts on my consumer profile. On XX/XX/year>, I submitted a written request and dispute regarding multiple accounts that Equifax is reporting on my consumer profile. Today XXXX is more than 30 days have now passed without any substantive response or documentary evidence being provided to verify the accuracy and ownership of these accounts. This constitutes a violation of Equifax 's statutory duties under the Fair Credit Reporting Act ( FCRA ). 15 U.S. Code 1681i states that the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate andrecordthe current status of the disputed information, or delete the item from thefilein accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from theconsumerorreseller. I requested that Equifax, pursuant to its duties under 15 U.S.C. 1681i, obtain from the furnishers documentary evidence showing that the following creditors actually own the accounts being reported. Publicly available information indicates that many consumer debts, including the ones in question, may have been securitized and sold on secondary markets, raising substantial concerns as to whether these furnishers maintain lawful custody and ownership. Specifically, I requested that Equifax provide documentary proof addressing the following : 1. Proof of a Meeting of the Minds, required for a valid contract.

2. Proof of Valuable Consideration provided by each company.

3. GAAP-compliant accounting showing all debits and credits from initiation, including full accounting records ( not monthly statements ).

4. Signed contracts bearing both parties signatures, including my autograph.

5. Documentation of assignments, transfers, and endorsements showing lawful custody of the instruments.

6. Proof whether the accounts are held by a private trust, public liability, or otherwise.

7. Disclosure of whether the original instruments were used as collateral under any agreement.

8. Disclosure of whether the accounts were securitized at any time.

9. Identification of the holder in due course.

10. Proof of territorial jurisdiction granting each company lawful authority to conduct business with me, an American citizen. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifaxs failure to respond within the statutory period and failure to provide documentary proof constitute violations of : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Duty to conduct a reasonable reinvestigation within 30 days.

15 U.S.C. 1681i ( a ) ( 6 ) ( A ) : Duty to provide written results of reinvestigation.

15 U.S.C. 1681e ( b ) : Duty to follow reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Duty to delete disputed information if it can not be verified.

15 U.S.C. 1681n & 1681o : Liability for willful or negligent noncompliance, including damages, attorneys fees, and statutory penalties. 
Equifaxs inaccurate reporting and failure to verify ownership of these accounts have caused me and my family financial injury, emotional distress, discrimination, and undue duress.

Accordingly, I demand that Equifax 1. Immediately delete all accounts listed above from my consumer credit file as they remain unverified.

2. Provide me with an updated consumer credit report reflecting these deletions. 
If Equifax fails to comply immediately within receipt of this complaint, I will escalate this matter by pursuing legal remedies available under the FCRA. Without Prejudice : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief