Consumer complaint received 2025-10-14 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: AR

Complaint narrative:
Complaint Summary : XXXXThis complaint supplements CFPB Complaint ID XXXX XXXX ( open, in progress ), which involves the same disputed XXXX XXXX XXXX XXXX XXXX by Equifax, as well as the earlier Complaint ID XXXX XXXXXXXX ( closed, not resolved ). The reason for this supplemental complaint is that I have recieved yet another letter from Equifax stating " Equifax has verified this item belongs to you '', when I have not personally submitted a dispute on XXXX XXXX, because I still dont have access to it, this was the original reason for the filing of both prior complaints and that original issue still hasnt been fixed I can not access my Equifax account to file disputes myself. 

XXXXInstead, Equifax continues to submit generic disputes on my behalf against XXXX XXXX XXXX to the prior CFPB complaints without knowing the full context or reasons the tradeline is disputed. The XXXX  complaint was closed without resolution, and the XXXX remains under investigation until approximately XX/XX/year>, the XXXX  day deadline. I personally feel that the response to the XXXX  complaint, as well as the recent activity during the pendency of the investigations minimizes the gravity of this issue at hand and it has caused great damage to my credit reputation by not only allowing this furnisher to continue reporting, but also ignoring the facts presented in my prior complaints and allowing them to continue to do so. This is not the nature of a credit reporting agency that is supposed to protect the consumer and the furnishers, this is the activity of automation, or negligence. 

XXXXFor instance, in the closed complaint, Equifax stated : XXXX XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU THE FOLLOWING FIELDS HAVE BEEN MODIFIED : SCHEDULED PAYMENT, ACTUAL PAYMENT, CREDIT LIMIT, ADDITIONAL INFORMATION. 
Even though I very clearly stated, and they could very clearly see on their end, there is no original creditor tradeline. These activities are retaliatory in nature. 


XXXXXXXXThat same language appears on a new verification letter I received today, showing the account was verified again on XX/XX/year> the same day the furnisher lost in court. This seems retaliatory, and XXXX cooperation in allowing continued re-verification makes them complicit in the ongoing misconduct. 

XXXXIm having a hard time understanding why : XXXX. Equifax opened another dispute or allowed the furnisher to re-verify without correcting or providing remedial guidance on the original access issue especially since I still can not log in to my Equifax account. 


XXXX. Equifax has now allowed this furnisher to re-verify again when there is no original XXXX  XXXX tradeline this collection tradeline could reference on my credit report. Equifax appears to rely on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These are the only documents I have received, and they show no evidence of a reasonable investigation. 

XXXXThe continued verification is invalid because the underlying account not only represents a non-existent creditor tradeline, but it has also already been adjudicated in my favor the XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) granted XXXX XXXX on XX/XX/year>, finding that XXXX XXXX to produce admissible or authenticated evidence of ownership or liability. Despite that ruling, Equifax continues to publish and re-verify the same inaccurate tradeline, and has provided no remedy for my locked-out account. 

XXXXThese disputes that Equifax opened on my behalf likely omitted critical context, including that : XXXXI have no knowledge of this debt. 

The alleged debt was in active litigation from XX/XX/year> to XX/XX/year>, and had been repeatedly verified during that time. 

There is no original creditor tradeline on any of my credit reports for any of the XXXX CRAs this debt could lawfully relate to. 

XXXXSupporting Evidence : -Summary Judgment order, XXXX XXXX XXXX XXXX XXXX No. XXXX ( granted XX/XX/year> ). 

XXXX CFPB complaint correspondence. 

-Equifax XXXX letters dated XX/XX/year>. 

For verification purposes on the court order attached, the link to the XXXX XXXX involved in this matter can be found on the official Arkansas XXXX website, that link is : XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief