Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Subject : Follow-Up Complaint Regarding Verification of Unverified Accounts and Final Warning for Immediate Removal To Whom It May Concern, I am formally following up on my previous complaint regarding the failure of Equifax to remove unverified accounts from my credit report. Despite my submission of a Police Report and an FTC identity theft report ( FTC Report Number : XXXX ), Equifax has claimed that the disputed accounts have been " verified '' without providing any legitimate validation. 
The following accounts remain on my credit report despite multiple disputes and the lack of proper debt validation : Accounts in Question : XXXX. XXXX XXXX * Account # : XXXX * Date Opened : XX/XX/year> ( XXXX )/ XX/XX/year> ( Equifax XXXX * Balance : {$2200.00} * Status : Collection/Charge-Off Inconsistencies and Violations : 1. Inconsistent Account Details Across Credit Bureaus : The reported dates of last activity, balance, and account status vary between XXXX and Equifax. Such inconsistencies violate 15 U.S.C. 1681e ( b ), which mandates that credit bureaus maintain accurate and consistent records.

2. Failure to Provide Debt Validation : Under 15 U.S.C. 609 ( a ) ( 1 ) ( A ) and 15 U.S.C. 609 ( a ) ( 2 ), you are required by federal law to verify, through physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Since no such documentation has been provided, this account must be removed immediately. 
3. Violation of 15 U.S.C. 1681i : The Fair Credit Reporting Act ( FCRA ) mandates that credit bureaus conduct a reasonable investigation when information is disputed. The claim of " verification '' without providing any substantive documentation does not meet this legal requirement.

4. Failure to Block Fraudulent Information : Under 15 U.S.C. 1681c-2, credit reporting agencies are mandated to block information identified as resulting from identity theft. Equifax has failed to take proper action, despite receiving an FTC identity theft report and police report.

Furthermore, I believe that the actions of Equifax may constitute a violation of the Truth in Lending Act ( TILA ), as they have failed to adhere to the obligations concerning accurate reporting and consumer rights.

Resolution Requested : 1. Thorough Investigation : A complete review of the fraudulent accounts reported by Equifax, ensuring compliance with the Fair Credit Reporting Act ( FCRA ) and the relevant legal provisions mentioned.

2. Immediate Deletion of Accounts : The immediate removal of all unverified accounts from my credit report, as they have not been validated in compliance with federal law. 
3. Written Confirmation : A written statement confirming the removal of these accounts and detailing the findings from the investigation. 

I expect a prompt resolution to this issue, and I request a response in writing confirming that these actions have been taken.

Company response to consumer: Closed with explanation