Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is now my second complaint against Equifax because the previous investigation and response were improper, incomplete, misleading, and violated multiple sections of the FCRA, FDCPA validation standards, and XXXX reporting requirements. I have been disputing ALL of the following for well over 90 days and have not received one single piece of documentation : XXXX  XXXX  Late Payment ( XXXX ), XXXX XXXXXXXX  Late Payment ( XXXX ), XXXX XXXX  Collection ( {$2000.00}, # XXXX ), and the following inquiries which I disputed individually : XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax marked nearly all of these as verified but did not provide ANY method of verification, which is a direct violation of FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and FCRA 611 ( a ) ( 7 ) because I am legally entitled to the documents used to verify each item. Equifax falsely claimed these items belong to me, which is NOT legal verification and violates FCRA 607 ( b ) and 602, because accuracy requires documentationnot assumptions. Verification of a late payment requires the original contract, complete payment history, due dates, posting dates, and internal records showing an actual delinquency. Verification of a collection requires the original agreement, itemized billing, DOFD, ownership records, chain of assignment, and collector authority. Verification of inquiries requires the documented permissible purpose under FCRA 604 ( a ), the written or electronic consumer authorization, the exact lender request, and proper XXXX coding. Equifax has provided NONE of these documents. Instead, they used canned statements such as inquiries are a factual record and improperly pushed responsibility onto me by saying I should contact the creditor directly, which violates FCRA 611 ( a ) because the credit bureaunot the consumeris responsible for reinvestigation. Equifax also claimed my file was blocked for promotional purposes, which is unusual and suggests mishandling of my data during an active dispute, potentially violating FCRA 604 ( c ). Equifax further violated FCRA 611 ( a ) ( 1 ) ( A ) by failing to conduct a reasonable reinvestigation, failing to address duplicate inquiries, failing to review my multiple disputes between XXXX and XXXX, and failing to remove unverifiable information. Their response intentionally avoided supplying documentation and relied on scripted, vague statements instead of compliance. All of this behavior mirrors the numerous lawsuits and enforcement actions against Equifax for inaccurate reporting, negligent reinvestigations, and mishandling consumer disputes. Equifax has provided no evidence, no documents, no validation, no verification, and no lawful justification to keep ANY of these items on my credit report.

Company response to consumer: Closed with non-monetary relief