Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Credit Reporting Agency : XXXX, Equifax , XXXX XXXX Issue Type : Incorrect information on credit report / Improper investigation / Identity theft handling failure after multiple disputes have been sent out along with multiple phone calls, and letters being sent, and all they have been sending are stall letters. One of the agencies reached out to my stepmother pretending to be a lawyer, and when she asked what money was owed, they told her they could not express any of that information. They didnt tell her where they were calling from how much it was.

Complaint Summary I am filing this complaint because XXXX, Equifax and XXXX XXXX has failed to comply with the Fair Credit Reporting Act ( FCRA ) in multiple ways, including inaccurate reporting of my personal information, failure to properly reinvestigate disputed items, and refusal to remove fraudulent accounts connected to identity theft I previously reported. 

Details of the Complaint 1. XXXX  XXXX XXXX and Equifax failed to conduct a lawful reinvestigation. 
I submitted disputes to XXXX  on XX/XX/XXXX, and they marked the investigation as complete on XX/XX/XXXX. XXXX  verified several disputed accounts as accurate without providing any documentation, explanation, or evidence supporting their decision.

Under 15 U.S.C. 1681i ( a ), XXXXXXXX is required to conduct a reasonable reinvestigation. Based on the quick turnaround and lack of supporting information, I believe XXXX  did not perform a lawful or thorough reinvestigation. 
I requested a description of the verification procedures as allowed under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), but XXXX has not provided this information. 

2. XXXX repeatedly reported my name and address incorrectly. 
XXXX has repeatedly misspelled my legal name and my address, despite being properly notified of these inaccuracies. Simply correcting the spelling errors without addressing the underlying cause violates 15 U.S.C. 1681e ( b ), which requires XXXX  to maintain maximum possible accuracy in consumer files. 
These errors impact the accuracy of my identity information and contribute to improper matching of accounts.

3. Identity theft was reported in XXXX, but XXXX  refused to remove fraudulent information. 
I reported identity theft to XXXX in XXXX with the required documentation. Despite this, XXXX  refused to block or remove the fraudulent accounts, violating : * 15 U.S.C. 1681c-2 ( duty to block identity theft information ) * 15 U.S.C. 1681i ( a ) ( 1 ) ( reasonable reinvestigation required ) * 15 U.S.C. 1681g ( a ) ( right to receive information related to identity theft investigations ) These fraudulent accounts continue to appear on my credit report and negatively impact my creditworthiness. 

4. XXXX XXXX XXXX and Equifax did not provide furnisher information used during verification. 
XXXX has refused to provide the names, addresses, or available phone numbers of the furnishers they allegedly contacted during the reinvestigation, as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

Without this information, I can not follow up with the furnishers or verify the legitimacy of XXXX investigation. 

Why I Am Filing This Complaint XXXX  XXXX XXXX, Equifax actions have caused : * Inaccurate and incomplete information on my credit report * Continued reporting of identity-theft-related accounts * An improper and insufficient reinvestigation of disputed items * Denial of my rights under multiple sections of the FCRA I am requesting the CFPBs assistance to ensure that XXXX Equifax in XXXX XXXX complies with federal law and corrects the ongoing inaccuracies in my credit file.

Requested Resolution I am requesting that the CFPB require XXXX  XXXX XXXX and Equifax to : 1. Provide a complete description of the procedures used to verify each disputed account. 
2. Provide the names, addresses, and phone numbers of all furnishers contacted.

3. Conduct a new, lawful, reasonable reinvestigation of every disputed item.

4. Block and delete all identity-theft-related information, as required by 15 U.S.C. 1681c-2.

5. Correct all misspellings and ensure maximum possible accuracy in my file.

6. Provide written confirmation of all corrections and deletions.

7. They have seven days to send me all the evidence and proof they went over to complete their investigation starting with witnesses and documentation. if that can not be done. They need to delete these items. They respond way too fast for it to be investigated thoroughly. they denied every dispute because the last one was denied without any investigation. I have been calling them for years with nothing being done.

Company response to consumer: Closed with explanation