Consumer complaint received 2025-11-24 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: MO

Complaint narrative:
1. Notice of Continuing Dispute This letter constitutes formal notice of a continuing dispute under 15 U.S.C. 1681i, 1681s-2 ( a ) ( 1 ) ( A ), and 16 C.F.R. 660.4 regarding XXXX XXXX furnishing of alleged late payments on my credit report. 

Your assertion that my complaint does not meet the criteria for review is legally invalid. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) and 12 C.F.R. 1022.43, you are required to conduct a reinvestigation upon any consumer dispute received either directly or through the CFPB.

2. Demand for Validation, Verification, and Chain of Custody Pursuant to 15 U.S.C. 1692g ( b ), 12 C.F.R. 1006.34, 15 U.S.C. 1666b, and 15 U.S.C. 1681s-2 ( b ), you are hereby formally demanded to provide, within thirty ( 30 ) days of receipt of this
notice : A. Validation of the Alleged Debt 1.Original contract or application bearing my wet-ink signature or authenticated digital signature evidencing my consent to data furnishing.

2.Complete billing history and payment ledger showing all alleged delinquencies and payment postings in compliance with 15 U.S.C. 1666b ( a ) which requires payments to be credited as of the date received.

3.Copies of any and all statements, notices, or correspondence allegedly sent prior to negative reporting.

4.Written identification of the lawful creditor, servicer, or assignee holding any enforceable right or title in the alleged obligation.

B. Chain of Custody of Reported Data 1.A complete and verifiable record of every entity, department, or system that transmitted, accessed, or modified my consumer account data.

2.Documentation showing secure handling and transmission under 15 U.S.C. 6801 ( b ) and 16 C.F.R. Part 314 ( Safeguards Rule ).

3.Proof of a valid permissible purpose under 15 U.S.C. 1681b for every instance my information was furnished or viewed.

4.The name, title, and authorization of any XXXX XXXX representative responsible for verifying and reporting the derogatory data. 

Failure to produce this documentation in full will be deemed an admission that XXXX XXXX lacks lawful validation, chain of custody, and standing as a data furnisher under federal law.

3. Specific Statutory Violations a. Failure to Conduct a Reasonable Reinvestigation Violates 15 U.S.C. 1681i ( a ) and 12 C.F.R. 1022.43, requiring data furnishers to reinvestigate every consumer dispute received.

b. Failure to Maintain Accuracy and Integrity Violates 15 U.S.C. 1681s-2 ( b ) and 16 C.F.R. 660.4, mandating policies ensuring the integrity of information furnished to credit bureaus.

c. Unauthorized Disclosure and Data Sharing Violates 15 U.S.C. 68026805 and 16 C.F.R. 313314, restricting the disclosure of nonpublic personal information to third parties without consent.

d. Improper Reporting of Transaction Experience as Debt Violates 15 U.S.C. 1681e ( b ) and 16 C.F.R. 600 et seq., as XXXX XXXX furnished non-validated late payments without adjudicated debt or contractual authority.

e. Improper Crediting and Reporting of Payments Violates 15 U.S.C. 1666b ( a ) and 12 C.F.R. 1026.13 ( Regulation Z ), which require payments to be credited as of the date received and prohibit adverse reporting caused by internal p
rocessing delays.

4. Preservation of Rights and Intent to Escalate This correspondence preserves all rights under : 16 C.F.R. 433.2 ( FTC Holder Rule ) binding any assignee or successor to XXXX XXXX conduct ; 15 U.S.C. 1681n and 1681o authorizing statutory, actual, and punitive damages for willful or negligent non-compliance.

If full validation and correction are not received within thirty ( 30 ) days, I will proceed with : 1.Formal arbitration pursuant to your contract terms ; 2.Administrative escalation with the CFPB, FDIC, FTC, and OCC ; and 3.Equitable and injunctive relief through civil action.

5. Final Demand and Instruction You are hereby directed to : 1.Retain the existing trade line on my consumer credit reports to preserve account age and positive payment history ; 2.Immediately remove all derogatory or negative notations, including late payment, past due, or any status suggesting default ; 3.Ensure all payments are credited in compliance with 15 U.S.C. 1666b ( a ), as of the date received ; 4.Provide written certification of correction or deletion to XXXX, Equifax, and XXXX  within thirty ( 30 ) days ; 5.Furnish full documentation establishing the lawful chain of custody, validation of debt, and permissible purpose for data furnishing. 

Failure to comply will constitute willful non-compliance under federal law and will be addressed accordingly.

Company response to consumer: Closed with explanation