Consumer complaint received 2025-07-25 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: MO

Complaint narrative:
To Whom It May Concern, Thank you for your response to my formal complaint submitted through the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate and disputed items on my Equifax credit report.

After reviewing your findings, I must respectfully assert that your response is legally insufficient and does not fully resolve the matter under the Fair Credit Reporting Act ( FCRA ). While you state that you contacted the furnishers and verified that the accounts belong to me, ownership does not equal accuracy, nor does it satisfy your legal duty to ensure that data reported is complete, verifiable, and not misleading.

KEY ITEMS STILL IN DISPUTE 1. XXXX XXXX XXXX ( Collection ) Equifaxs response confirms verification but fails to provide any original documentation. Per FDCPA 809 ( a ) and FCRA 609 ( a ) ( 1 ), I have a legal right to see : The original signed contract or agreement The full accounting of the debt The chain of custody showing XXXX legally owns or collects this debt You have not provided this. Updating " fields '' is not the same as full verification. 

2. Department of Education / XXXX ( Multiple Accounts ) These tradelines were updated or verified as accurate, despite prior late payments during periods of deferment or forbearancethis is inaccurate and misleading. Per federal student loan reporting guidance, no delinquency should be reported during authorized deferment. This is a direct violation of FCRA 607 ( b ), which mandates maximum possible accuracy.

3. XXXX XXXX XXXX XXXX ( Collection ) Your assertion that this item is reported correctly is unsupported. You failed to provide the Method of Verification or any documentation to prove this item is legally valid, timely, or accurately reported. This is inadequate under FCRA 611 ( a ) and 611 ( a ) ( 7 ).

Items You Deleted ( Acknowledged and Appreciated ) Dept of Ed / XXXX XXXX XXXX XXXX XXXX XXXX Deleted Non-reporting disputes ( XXXX, XXXX XXXX, XXXX XXXX  ) Acknowledged Thank you for these corrections.

FORMAL REQUEST FOR METHOD OF VERIFICATION Under FCRA 611 ( a ) ( 7 ), I now formally request the Method of Verification for the items you claim to have verified : Please include : The name, department, and contact method used to verify the data Whether E-Oscar or automated methods were used A copy of any original documentation you received from the furnisher Failure to provide this violates federal law and may be interpreted as negligent or willful noncompliance.

ON CREDIT SCORE IMPACT While no law explicitly requires Equifax to raise my score when errors are corrected or deletions are made, the FCRA 607 ( b ) does require maximum possible accuracy in all data reporting. When inaccurate negative information is removed, your system is legally obligated to update my credit profile, and scoring algorithms must recalculate accordingly.

If a scoring system is still penalizing my profile based on data that was deleted or known to be inaccurate, this may constitute ongoing negligent damage under FCRA 616 and 617, especially if it results in a denial of credit, housing, or employment.

Company response to consumer: Closed with non-monetary relief