Consumer complaint received 2025-04-30 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Phone : ( XXXX ) XXXX XXXX : XX/XX/XXXX SSN ( last 4 digits ) : XXXX Email : XXXX Date : XX/XX/XXXX To : Experian XXXX XXXXXXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX XXXX, XXXX, GA XXXX Subject : Formal Dispute of Debt Collection and Credit Furnishing Violations Citing : 15 U.S.C. 1692g and 15 U.S.C. 1681s-2 Dear Credit Bureau Dispute Department , I am writing to formally dispute certain accounts being reported on my credit file. These accounts involve potential violations of 15 U.S.C. 1692g ( failure to validate debts ) and 15 U.S.C. 1681s-2 ( furnishing inaccurate or unverifiable information to consumer reporting agencies ). 

Disputed Accounts : 1. XXXX XXXX XXXX Acct. Ending in XXXX ( Experian ) Status : Collection account {$770.00} past due Violation : I have not received proper debt validation as required under 1692g ( a ). Under this section, I must be provided with written verification of the debt upon request, and collection activity must cease until such verification is provided.

Additionally, if this debt has not been verified, then continued reporting to Experian constitutes a violation of 1681s-2 ( b ).

Action Requested : Immediately delete this tradeline unless XXXX XXXX XXXX can provide full validation ( original creditor agreement, itemized breakdown, and proof of assignment/ownership of debt ). 

2. XXXX XXXX XXXX Acct. Ending in XXXX ( Experian ) Status : Foreclosure proceedings reported with {$2200.00} past due Violation : The account is jointly reported, but the timeline of the delinquency and foreclosure status does not reflect timely updates or verifiable communication regarding my legal responsibility.

Under 1681s-2 ( a ), XXXX is prohibited from reporting information they know or have reasonable cause to believe is inaccurate. No validation of this foreclosure balance or liability was provided to me, as required under 1692g ( b ).

Action Requested : Investigate and remove or correct any derogatory marks or foreclosure status unless legally substantiated with appropriate documents. 

3. XXXX Bank Acct . Ending in XXXX ( Experian/Equifax ) Status : Charged off since XXXX with a {$160.00} balance still being reported monthly Violation : This prolonged reporting may not reflect accurate, current liability under 1681s-2 ( a ) ( 1 ) ( A ), especially since the account reflects no activity since XXXX. 

Action Requested : Remove or update the status to show XXXX balance or settled status unless the account can be validated and verified. 

Legal Support for My Request : 15 U.S.C. 1692g ( b ) : Debt collectors must cease collection and provide verification if a consumer disputes the debt within 30 days of initial contact.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : A furnisher of information may not report inaccurate data to consumer reporting agencies.

15 U.S.C. 1681s-2 ( b ) ( 1 ) : Upon notice of dispute, a furnisher must investigate and correct or delete any information found to be inaccurate or incomplete.

Requested Resolution : Conduct a full reinvestigation of the above-listed accounts Remove or correct inaccurate and unverified tradelines Provide a written response and an updated copy of my credit report once resolved Enclosures : Copy of my government-issued ID and proof of address Highlighted credit reports from Experian and Equifax Any relevant correspondence or notes Please complete your reinvestigation within 30 days as required by law. If these accounts are not properly validated or corrected, I will escalate this matter through the CFPB and other regulatory channels. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation