Consumer complaint received 2025-07-04 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: NY

Complaint narrative:
Disclosure : As a consumer fully exercising my rights under the Fair Credit Reporting Act ( FCRA ), I am documenting each step in preparation for formal legal escalation, if necessary. 

Clarification : This complaint is separate and distinct from any previously filed complaints against Equifax, Experian, and TransUnion. It addresses new violations and failures, specifically their refusal to provide verification documentation related to the XXXX XXXX dispute, as required under FCRA 1681g and 1681i ( a ) ( 6 ) ( B ) ( iii ). It is not duplicative in subject matter or legal basis. This is not a re-dispute. 

Reference : Disputed XXXX XXXXXXXX account beginning with XXXX ( TransUnion and Experian format ) or ending in XXXX ( Equifax format ) showing a balance of {$690.00} and a credit limit of {$500.00}. 

Subject : Complaint Against Equifax, Experian, and TransUnion for FCRA Violations Improper Verification of a XXXX XXXXXXXX Account and Refusal to Provide Verification Documentation ( FCRA 1681g, 1681i ( a ) ( 6 ) ( B ) ( iii ), 611 ( a ) ( 5 ) ( A ), and Related Provisions ) Narrative : This complaint is directed against the three nationwide consumer reporting agencies Equifax, Experian, and TransUnion for willfully and negligently violating multiple provisions of the Fair Credit Reporting Act ( FCRA ) in their handling of my dispute regarding an inaccurate and unverifiable tradeline from XXXX XXXX 

Background Facts The XXXX XXXX tradeline has been the subject of prior disputes and legal inquiries, with certified dispute letters sent in XXXX and XX/XX/XXXX. 

On XX/XX/XXXX, I submitted a supplemental dispute to Experian, TransUnion, and Equifax identifying the XXXX XXXX tradeline as unverifiable, incomplete, and misleading, and specifically requested : - Full payment history - Signed agreements - Itemized statements - Proof of debt ownership or immediate deletion if documentation could not be produced. 
This dispute cited FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ) and demanded compliance. To date, no documentation has been provided by either XXXX XXXX or the credit reporting agencies. The tradeline remains legally unverifiable and must be deleted. 
The payment history was altered following my dispute confirming that the original reporting contained inaccuracies yet no supporting documentation or explanation was provided for these changes. 

XXXX XXXX failed to respond to the dispute and did not furnish any signed contracts, transactional records, or itemized billing history, undermining any claim of verification. 

Experian manipulated the reported payment history after my dispute by shifting the XXXX delinquency from XX/XX/XXXX ( pre-dispute ) to XX/XX/XXXX ( post-dispute ). This shift artificially extends the derogatory impact of the tradeline by delaying the Date of First Delinquency ( DOFD ) without notice or documentation in violation of FCRA 607 ( b ), 611 ( a ) ( 5 ) ( A ), and 1681i. 

XXXX investigation results are misleading. Their post-dispute report falsely claims an update to the XXXX XXXX in XXXX and XX/XX/XXXX, stating it was 120 days late. However, these same delinquency ratings were already present in the XX/XX/XXXX report, before the dispute was filed. 
- This misrepresentation creates the false appearance of meaningful verification or correction, despite no new information or documentation. 
- Such conduct likely violates FCRA 611 ( a ) ( 5 ) ( A ) ( false verification ) and 607 ( b ) ( failure to ensure maximum possible accuracy ).

The reported account balance exceeds the credit limit, suggesting unverified fees or interest accruals, which were neither explained nor validated during the reinvestigation. 

None of the CRAs provided notice of the changes made to the tradeline, violating FCRA 611 ( a ) ( 6 ), which mandates that consumers be informed of results and the method used during reinvestigation. 

Unverified Account Elements : XXXX XXXXXXXX failed to produce any of the following when requested through dispute or reinvestigation : Itemized balance history or account statements Signed applications or cardholder agreements Records of authorized or signed transactions Evidence of mailed or delivered late payment/charge-off notices Proof of consent to fees, interest, or terms of credit Full payment posting history Evidence of ownership or authorization to report the debt The absence of this documentation from both the furnisher and the CRAs shows that the account was not properly verified and remains unsubstantiated under FCRA standards. These failures also likely violate : New York XXXX XXXX XXXX XXXX, which prohibits inclusion of information that can not be verified as accurate and complete New York XXXX XXXX XXXX XXXX, prohibiting deceptive acts or practices in the conduct of business Failure of the Verification Process Only Two Possibilities, Both Unlawful : 1. Reliance on e-OSCAR System Checkbox Responses : If the CRAs relied solely on automated responses from the furnisher via the e-OSCAR platform without reviewing actual documentation they failed to conduct a reasonable reinvestigation in violation of FCRA 1681i ( a ) ( 1 ) and 607 ( b ). Such XXXX reliance is negligent and fails to meet the standard of maximum possible accuracy. 
2. Review of Incomplete or Unsent Documentation : If the CRAs received documentation from XXXX XXXXXXXX and either : o Chose not to review it ; or o Reviewed it but ignored the lack of responsive data ; Then they engaged in willful violations of FCRA 1681i, 1681g, and possibly 616617 concerning civil liability.

Violation of the 30-Day Deadline ( Equifax ) : As of this filing, Equifax has failed to provide the results of its reinvestigation, despite receiving my dispute by certified mail on XX/XX/XXXX. This exceeds the 30-day limit established by FCRA 611 ( a ) ( 1 ) and 1681i ( a ) ( 1 ). The disputed XXXX XXXX tradeline continues to appear on my report ( as confirmed via XXXX XXXX ), despite no timely reinvestigation result being issued.

Failure to Provide Required Disclosures : All three CRAs failed to comply with FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) and 1681g, which require : The method of verification Documentation or evidence reviewed Name and contact information of the verifying party Key Violations Include : 1. FCRA 1681i Failure to Conduct Reasonable Reinvestigation 2. FCRA 1681e ( b ) / 607 ( b ) Failure to Ensure Maximum Possible Accuracy 3. FCRA 1681g / 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to Provide Verification Method and Documentation 4. FCRA 611 ( a ) ( 6 ) Failure to Notify of Dispute Outcome Properly 5. FCRA 611 ( a ) ( 5 ) ( A ) Obligation to Delete Tradeline When Information Can not Be Verified Any continued attestation that this account is verified or updated without producing responsive documentation may constitute false certification, constructive fraud, or deceptive practices in violation of federal and state laws. 

LEGAL NOTICE AND FINAL OPPORTUNITY FOR RESOLUTION I am documenting this matter in good faith and notifying all parties that, unless this unverifiable tradeline is permanently deleted from my credit file within 15 calendar days, I will proceed with formal legal escalation. This includes : Filing small claims lawsuits against each CRA in New York State Filing complaints with the New York State Attorney General and Better Business Bureau Submitting additional FCRA claims to federal regulators This is not a demand for financial compensation, but a legal demand for the immediate and permanent deletion of the unverified tradeline. If deletion occurs in good faith within the timeframe stated, I will consider the matter resolved and will not pursue further action. 

Respectfully Submitted, XXXX XXXX

Company response to consumer: Closed with explanation