Consumer complaint received 2025-09-09 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : XX/XX/XXXX SSN : XXXX Email : XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX CFPB XXXX XXXX. XXXX XXXX Washington XXXX DC XXXX CC : Equifax Information Services LLC, XXXX. XXXX XXXX, XXXX, GA XXXX Experian Information Solutions XXXX Inc., XXXX. XXXX XXXX, XXXX, TX XXXX TransUnion LLC, XXXX. XXXX XXXX, XXXX, PA XXXX Subject : Formal Dispute Inaccurate Reporting by Resurgent Receivables ( Collection Account ) Dear CFPB, I am filing this formal complaint and dispute regarding an account reported on my credit file by XXXX XXXX  which is reflected as a negative item. The account is reported as being opened on XX/XX/XXXX, and XXXX XXXX  claims to be the original creditor. I have never conducted business with this company, have no knowledge of this account, and dispute the accuracy and legitimacy of this reporting. 



Legal Basis for Dispute Collection Accounts 1. FCRA Violations Inaccurate Reporting Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), once a consumer disputes an item on their credit report, the credit bureau must conduct a reasonable reinvestigation to determine whether the information is accurate.

Under 15 U.S.C. 1681e ( b ), a credit reporting agency must follow reasonable procedures to ensure maximum possible accuracy in the preparation of consumer reports, including collection accounts reported by third-party collectors. 

XXXX. Case Law Supporting Removal of Collection Accounts XXXX XXXX Trans Union Corp., XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) : CRAs must conduct a thorough reinvestigation when an item is disputed, including collection accounts. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Bureaus may be held liable for failing to correct inaccurate reporting after notice. 
XXXX v. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) : Continued reporting of disputed information after notice constitutes willful noncompliance with the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX. XXXX ) : Reporting an account to a consumer who never had a relationship constitutes inaccurate reporting. 
XXXX XXXX Trans Union Credit Information Co., XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : CRAs are responsible for ensuring collection accounts are accurately reported, and must investigate when a consumer disputes the debt. 
XXXX v. XXXX & XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Debt collectors must provide sufficient verification of debts ; inaccurate reporting of unverified collection accounts violates the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Collection accounts reported without verification may be removed if the consumer disputes their validity. 



Requested Action That the CFPB ensure Equifax, Experian, and TransUnion immediately delete this XXXX XXXX account from my credit reports, as it is inaccurate, unverifiable, and not associated with me. 
That written confirmation of the deletion and updated credit reports reflecting this correction be sent to me. 
If verification can not be obtained from XXXX XXXX, the account must be removed as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

This inaccurate reporting is damaging to my creditworthiness and could lead to financial harm if not promptly corrected. I request that the CFPB oversee a prompt, thorough, and legally compliant reinvestigation of this account. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief