Consumer complaint received 2025-03-21 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: TX

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Subject : Violations of the Fair Credit Reporting Act ( FCRA ) Failure to Correct Disputed Information Complaint Against : XXXX. XXXX XXXX XXXX - Account Number : XXXX XXXX. Equifax Information Services LLC I am filing this complaint against XXXX XXXX XXXX and Equifax for violations of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. Both entities have failed to properly investigate and correct inaccurate or unverifiable information on my credit report. 

I disputed an account reported by XXXX XXXX XXXX with Equifax, and despite my dispute, both entities failed to conduct a reasonable reinvestigation as required by 15 U.S.C. 1681s-2 ( b ) and 15 U.S.C. 1681i ( a ). The account remains on my credit report without proper validation, violating my rights under federal law. 

In XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ), the court ruled that a consumer reporting agency may not merely " parrot '' information received from the furnisher during a dispute investigation. The agency must conduct its own independent and reasonable investigation. Equifax violated this standard by relying solely on the response from XXXX XXXX XXXX without seeking original or verifiable documentation, such as a signed contract or Forward flow agreement. 



FCRA Violations Committed by XXXX XXXX XXXX and Equifax : 1. **Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681s-2 ( b ) & 1681i ( a ) ) ** - Equifax failed to conduct an independent reinvestigation. 
- Equifax simply parroted the response from XXXX XXXX XXXX. This is unlawful per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX did not provide proper documentation to verify the account. 

2. Reporting Inaccurate or Unverifiable Information ( 15 U.S.C. 1681e ( b ) ) - XXXX XXXX XXXX furnished unverifiable or inaccurate data. 
- Equifax failed to ensure maximum possible accuracy before confirming the disputed account. 
- If XXXX XXXX XXXX can not provide a signed contract, Forward Flow Agreement, or detailed payment history, the account must be removed. 

3. **Failure to Provide Proper Debt Validation ( 15 U.S.C. 1692g, FDCPA Violation by XXXX XXXX XXXX ) ** - XXXX XXXX XXXX failed to provide proper validation upon request. 
- No signed contract, Forward Flow Agreement/Chain of Custody, or itemized billing was produced. 


Requested Resolution : Immediate Deletion of the Account from Equifaxs Credit Report** Written Confirmation of Investigation Findings Independent and Verifiable Proof of the Debt Legal Compliance with FCRA Compensation for FCRA Violations** including damages for willful noncompliance under 15 U.S.C. 1681n Final Statement : XXXX XXXX XXXX and Equifax have violated the FCRA by failing to properly validate the debt and by continuing to report inaccurate, unverifiable information. Equifaxs parroting of the furnishers claims is directly contradicted by the federal precedent set in XXXX XXXX XXXX XXXX, which affirms a duty to investigate disputes with diligence.

Company response to consumer: Closed with non-monetary relief