Consumer complaint received 2025-07-29 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, XXXX XXXX RE : Formal Complaint Against Equifax Violations Related to XXXX Collections and XXXX XXXX XXXX Accounts To Whom It XXXX Concern : I am writing to file a formal complaint against Equifax regarding their repeated failure to uphold the Fair Credit Reporting Act ( FCRA ) in relation to XXXX separate accounts : XXXX Collections and XXXX XXXX XXXX. 

IXXXX XXXX XXXX  ACCOUNT FRAUDULENT REPORTING & IDENTITY THEFT VIOLATIONS Equifax is willfully and negligently allowing XXXX Collections to continue reporting a fraudulent collection account on my credit file without verifying legitimate proof of ownership. Despite my numerous formal requests for validation, XXXX Collections has failed to provide any legal proof of ownership of this alleged debt. They continue to respond only with copies of a past due bill, which does not meet the standards of debt validation under the FCRA. 

Furthermore, I have submitted an Identity Theft Report to both Equifax and XXXX XXXX CFPB and XXXX XXXX should have triggered an immediate block of the fraudulent information under FCRA 605B [ 15 U.S.C. 1681c-2 ]. Equifax has repeatedly ignored this requirement. 

I received identical letters from Equifax dated XX/XX/year> and XX/XX/year>, stating that they will not block the XXXX Collections account from my file. These letters are being uploaded to this complaint for your review. This consistent refusal to act in accordance with the law is unacceptable and constitutes multiple violations of FCRA. 

XXXX. XXXX XXXX XXXX FRAUDULENT GOVERNMENT COMMUNICATION & FCRA NONCOMPLIANCE Additionally, Equifax made false representations to a federal government agencyspecifically on a CFPB XXXX that XXXX XXXX XXXX is no longer reporting on my credit file. This statement is false. 

As proof, I have attached a copy of my Equifax credit report dated XX/XX/year>, which clearly shows that XXXX XXXX XXXX is still actively reporting on my profile. I submitted a dispute regarding this account on XX/XX/year>, giving Equifax the required 30 days to investigate under FCRA 611 [ 15 U.S.C. 1681i ]. They failed to add a notice of dispute to my file during the investigation window, which is a direct violation of FCRA 623 ( a ) ( 3 ) [ 15 U.S.C. 1681s-2 ( a ) ( 3 ) ].

Equifaxs false statements to a federal regulator and failure to correct or note the disputed account demonstrates clear bad faith and reckless disregard of federal law. 

XXXX. DEMAND FOR REMOVAL AND ENFORCEMENT I am demanding the immediate removal of both accountsFirstPoint Collections and Kikoff Lending LLCfrom my Equifax credit file due to : Lack of proof of ownership from the furnisher ( FirstPoint Collections ), Submission of fraudulent government communications by Equifax ( re : XXXX XXXX XXXX ), Failure to comply with proper identity theft protocols ( FCRA 605B ), Failure to enter a notice of dispute ( FCRA 623 ( a ) ( 3 ) ), Failure to conduct a reasonable investigation ( FCRA 611 ), Reporting false information knowingly or with reckless disregard ( FCRA 623 ( a ) ( 1 ) ). 

These violations have severely damaged my creditworthiness and caused substantial emotional distress. 

I respectfully request the Consumer Financial Protection Bureau to investigate this matter promptly and take regulatory enforcement action as warranted. All relevant evidence, including credit reports, CFPB complaint responses, and mailed correspondence, will be uploaded for your review. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation