Consumer complaint received 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am writing to formally document and dispute a series of unresolved and improperly reported accounts listed on my Equifax credit report. On XX/XX/XXXX, I sent Equifax a certified dispute and validation request letter, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ) and the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ) ( 15 U.S. Code 1692g ( b ) ). This letter included specific demands for documentation and validation of certain items currently being reported, particularly : The full validation and method of verification for each disputed account, including : o The names and contact numbers of any third parties or data furnishers Equifax communicated with in an effort to verify the accuracy of these accounts. 
o The Date of First Delinquency ( DOFD ), as required by law for accurate credit reporting under FCRA 605 ( c ) ( 1 ).

Despite my detailed request and providing Equifax with the proper documentation and time frame to investigate ( over 30 days ), I have received no such verification or sufficient response. Instead, Equifax has continued to report the following accounts, many of which have no DOFD listed, are clearly older than 7 years, or are in violation of other FCRA provisions : Disputed Accounts Without Validation or DOFD XXXX  Accounts Reporting for more than 7 years Account numbers : XXXX, XXXX, XXXX, XXXX No DOFD listed No evidence of active verification provided XXXX Lending Account number : XXXX No DOFD provided Continued reporting with no response to validation request XXXX  XXXX XXXX XXXX XXXX ( XXXX ) Account numbers : XXXX, XXXX, XXXX, XXXX, XXXX No DOFD present on any listed accounts All appear aged beyond permissible FCRA limits XXXX XXXX XXXX XXXX Account number : XXXX Origination date as far back as XXXX Not only is this well beyond the 7-year reporting limit under FCRA 605 ( a ) ( 5 ), but XXXX XXXX  XXXX federal loan forgiveness policy for public service workers also applies in my case This debt should no longer be reported and may also violate CARES Act updates and subsequent executive orders XXXX XXXX  Account number XXXX XXXX Closed for more than 7 years Still reported with no DOFD listed Should be removed under FCRA 605 ( a ) ( 4 ) Summary of Violations : 1. Equifax failed to provide validation of the debts when properly requested via certified mail.

2. No documentation or investigation records we
re shared regarding third-party verification, as required under FCRA 611 ( a ) ( 6 ).

3. Numerous accounts have no DOFD listed, which is a direct violation of FCRA 605 ( c ) ( 1 ).

4. Several accounts are clearly beyond the 7-year reporting limit, per FCRA 605 ( a ), and must be removed.

5. Reporting of federal student loans ( Department of Education ) despite documented federal forgiveness eligibility also constitutes negligent or willful misreporting under FCRA 623 ( a ).

Company response to consumer: Closed with non-monetary relief