Consumer complaint received 2025-11-06 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: PA

Complaint narrative:
I am disputing XXXX collection accounts that continue to be inaccurately and unlawfully reported on my credit reports : XXXX XXXX  ( {$800.00} ), XXXX XXXX XXXX ( {$790.00} and {$1100.00} ), and XXXX XXXX XXXX ( {$14000.00} ). These accounts remain on my Experian, Equifax, and TransUnion reports despite multiple written disputes and validation requests sent more than XXXX  days ago, with no proper verification or documentation ever provided. 

Under FCRA 611 ( a ) ( 1 ) ( A ), the credit bureaus are required to complete a reasonable reinvestigation within XXXX  days of receiving a dispute. All three bureaus exceeded this statutory timeframe without producing any evidence of a bona fide investigation or supporting documentation. This constitutes a direct breach of the XXXX reinvestigation requirement. 

Each furnisher also violated FCRA 623 ( b ) ( 1 ) ( A ) - ( D ) by failing to conduct a reasonable investigation after receiving notice of my disputes. They continued to report unverified data, failing to provide copies of any signed agreements, account statements, or chain-of-assignment documents proving ownership or accuracy of the debts. Continuing to furnish unverifiable data is a willful violation of FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( b ).

Additionally, all furnishers have violated FDCPA 809 ( b ) ( 15 U.S.C. 1692g ( b ) ) by continuing to report and pursue collection without first providing validation of the alleged debts. Each of my written validation requests was sent over XXXX  days ago, satisfying my notice obligations under the FDCPA, yet none of the collectors paused reporting or provided verification a clear breach of the statutory validation and cease-collection requirements. 

XXXX XXXX XXXX ( {$14000.00} ) is especially egregious. This alleged apartment-related balance has been reported for over XXXX years, yet the furnisher has failed to produce a lease, move-out statement, or final billing ledger to substantiate the amount owed. Reporting this unverifiable and unsupported balance constitutes a misrepresentation of the character and amount of the debt under FDCPA 807 ( 2 ) ( A ) and a failure to ensure maximum possible accuracy under FCRA 607 ( b ). 

These accounts have been repeatedly reinserted and verified without supporting evidence, suggesting systemic noncompliance and procedural breaches by both the bureaus and the furnishers. The continued reporting of unverified, inaccurate, or obsolete data has caused material harm by lowering my credit scores and blocking my mortgage approval. 

I am requesting that the CFPB direct Experian, Equifax, TransUnion, XXXX Funding, XXXX XXXX XXXX, and XXXX XXXX XXXX to : -Permanently delete these XXXX accounts from all consumer credit reports ; -Provide written confirmation of deletion and certification that the accounts will not be reinserted without verified documentation ; and -Initiate compliance review to address ongoing violations of FCRA 607 ( b ), 611 ( a ), 623 ( a ) ( b ) and FDCPA 807 ( 2 ) ( A ), 809 ( b ).

Company response to consumer: Closed with explanation