Consumer complaint received 2025-05-06 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: MI

Complaint narrative:
This is a formal and final complaint against XXXX XXXX XXXX, XXXX ( XXXX ) for continued unlawful credit reporting, failure to provide legal validation, and violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). XXXX has reported an account originally owned by XXXX XXXX to XXXX  and Equifax without proof of legal ownership, assignment, or the authority to collect or report the alleged debt. 

My initial dispute was submitted on XX/XX/2025, but to date, XXXX has failed to provide any legally sufficient documentation. Their continued reporting constitutes willful noncompliance and has caused ongoing damage to my credit and financial standing. 

Violations Committed by XXXX XXXX XXXX : XXXX. FCRA XXXX Inaccurate, Incomplete, or Unverifiable Reporting XXXX is furnishing an account to XXXX  and Equifax with conflicting, misleading, and unverifiable data. 
Equifax reports a balance of {$120.00} 2025, labeling the account as Open, which is misleading and inappropriate for a debt buyer. 
XXXX  reports the same account as {$120.00}, with no payment history and a status of Dispute resolved ; customer disagrees. 
The information is inconsistent, incomplete, and fails the maximum accuracy standard under FCRA 607 ( b ).

2. FCRA 611 Failure to Reinvestigate and Verify Properly After I filed my dispute, neither PRA nor the credit bureaus provided any validation. PRA never produced : A bill of sale from XXXX XXXX ; A chain of title identifying ownership from origination to XXXX ; A signed agreement or original contract ; An accounting breakdown of the alleged balance. 
Despite this, XXXX  still marked the dispute as resolved a clear violation of FCRA 611.

3. FDCPA 809 Failure to Validate Debt PRA failed to provide the following upon written request : The complete chain of title ; Legal documentation showing that PRA has the right to collect or report the debt ; Proof that the account was not securitized or stripped of assignability. 
Instead, they offered only generic statements or billing summaries, which are not legal validation under federal law. 

Violations Committed by XXXX  and Equifax : 1. FCRA 611 ( a ) and 607 ( b ) Failure to Conduct Reasonable Investigation XXXX  and Equifax have reported this XXXX account despite no proof of ownership or legal right to report. A furnishers verification without supporting documentation is not sufficient. 
Both agencies failed to require XXXX to submit a bill of sale or legal assignment. 
The conflicting account status between bureaus ( including account names, balances, and payment history ) is further proof of negligence. 

2. Failure to Provide Method of Verification I am demanding a written Method of Verification from both credit bureaus explaining : What proof XXXX submitted to verify the debt ; Whether any legal documentation or bill of sale was reviewed ; Why this unverifiable debt remains on my report despite ongoing disputes. 

Securitization Concern : I have reason to believe this debt was securitized by XXXX XXXX, meaning legal title may have been transferred to a trust, stripping XXXX XXXX of its ability to assign the debt. XXXX must produce : The name of the securitization trust ( if applicable ) ; A copy of the Pooling and Servicing Agreement ( XXXX ) ; Proof that the debt was not discharged or assigned illegally. 

If XXXX can not confirm this, they lack standing to collect or report making their actions a violation of FDCPA and XXXX prohibitions on deceptive practices. 


Preemptive Rebuttals to Anticipated Claims : We verified the account with XXXX XXXX. 
This is not validation. You must demonstrate that XXXX was legally assigned the debt. That includes : A full, unredacted bill of sale, The complete chain of title, XXXX that XXXX has the legal authority to collect and report. 

This is accurate reporting based on the information provided by the furnisher. ( Credit bureau defense ) Credit bureaus must conduct a reasonable reinvestigation and are not excused from liability when they verify data without legal documentation. Reporting unverifiable or unauthorized accounts makes them complicit under FCRA. 

The account was verified and the dispute is considered resolved. 
This is false. I have never received any legally required documentation no bill of sale, no contract, no itemized balance. This is not resolution ; its a violation of law. 

A billing statement or balance summary was provided. 
A billing statement does not validate ownership, chain of title, or legal standing. Its a record of claimed amounts and is not sufficient for collection or credit reporting. 

We dont have information about securitization. 
Then you can not prove the debt was legally assignable. If XXXX XXXX sold this debt into a trust, XXXX has no legal right to report or collect. 

We report based on XXXX XXXX guidelines. 
XXXX XXXX is a formatting protocol. It does not override federal consumer law. Reporting this account as XXXX is inaccurate and deceptive. 

The consumer was informed the debt was sold or transferred. 
A transfer notice or email does not prove ownership or legal right. You must provide legal documentation a bill of sale, chain of title, and contract. 

The original contract has arbitration terms. 
Even if the original agreement included arbitration language, it does not override your duties under federal law. I have the right to file a complaint when a debt is : Reported to the credit bureaus without my knowledge, Not validated, and Lacks proof of legal ownership. 

XXXX clauses do not excuse XXXX XXXX XXXX from producing : A full chain of title, A bill of sale, XXXX that they are legally authorized to report this debt. 

It is standard and required that no debt be reported to a consumer credit file without legal documentation, validation, and proof of ownership. Reporting without validation is a violation of both the FCRA and FDCPA. 

Final Demand to Equifax and XXXX  : Remove Account if Chain of Title Is Not Produced This is a formal notice to Equifax and XXXX  that under the Fair Credit Reporting Act ( FCRA ), you are legally required to verify any accounts accuracy, ownership, and reporting authority before it appears on a consumer credit report. 

If you can not obtain and produce the full, complete, and unbroken chain of title proving that XXXX XXXX XXXX ( XXXX ) is the rightful and legal owner or assignee of this account from Capital One, then you are in violation of : FCRA 611 ( a ) ( 1 ) ( A ) for failing to remove inaccurate or unverifiable information after a dispute, FCRA 607 ( b ) for failing to maintain reasonable procedures to ensure maximum possible accuracy, and FCRA 623 ( a ) ( 1 ) ( A ) for continuing to report data that has not been proven valid or legally collectible.

A bill, statement, internal note, or transfer email is not sufficient proof of ownership or assignment.

Nothing short of the following is acceptable under federal law : A full, unredacted bill of sale, A complete chain of title showing every entity that has owned or transferred the debt since its origination, And proof that PRA is legally authorized to report this debt on my credit file.

If you can not provide this documentation, then you are required by law to delete this account immediately. Continuing to report this debt without verifying PRAs legal right to report or collect is a willful violation of the FCRA and exposes you to potential statutory and punitive damages. 

Relief Requested : 1. Immediate deletion of the XXXX XXXX account from all credit bureaus. 
2. A full Method of Verification from XXXX  and Equifax. 
3. An investigation into PRAs use of unvalidated and potentially securitized debt.

4. Monetary compensation for the credit damage and legal violations committed by XXXX and the bureaus. 

Supporting Evidence Submitted : XXXX and XX/XX/2025 credit reports from Equifax and XXXX  showing conflicting and inaccurate reporting. 
Timeline of disputes and lack of documentation. 
PRAs failure to provide any legal proof of ownership or assignment.

Company response to consumer: Closed with non-monetary relief