Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Re : ROUND XXXX FAILURE TO RESPOND TO DISPUTE FORMAL NOTICE OF VIOLATIONS This letter serves as my official follow-up under the Fair Credit Reporting Act ( FCRA ) regarding the dispute letters I mailed to your bureau, which you received over 30 days ago. Despite proper submission via certified mail and attaching documentation, I have not received any communication, update, or resolution from your office regarding the negative items I disputed. 

This complete lack of response is not only unacceptable and unethicalit is in direct violation of FCRA 611 ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ), which legally requires you to complete a reinvestigation and respond to my dispute within XXXX calendar days. Your failure to do so strips me of my rights and is an outrageous, inhuman, and unlawful act against the spirit of consumer protection laws. 

I also filed complaints with the Consumer Financial Protection Bureau ( CFPB ) the same day I sent my mailed dispute letters to your bureau. Still, no email, letter, or decision was provided. This neglect and failure to notify me is a gross violation of the FCRA and FDCPA. 


The following accounts remain on my credit report with no resolution 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 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 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  You are required by law to provide the following for each account : - Full payment history - A copy of the original signed contract ( wet signature ) - A full itemized breakdown of the debt - Any insurance claims applied to the balance - Complete chain of title proving legal ownership If you are unable to provide the above, the accounts must be removed immediately for violating : FCRA XXXX Failure to respond within 30 days FCRA 609 ( a ) ( 1 ) Failure to provide signed contract and itemization FCRA 1681e ( b ) Reporting inaccurate or unverifiable data FCRA 1681i ( a ) ( 5 ) ( A ) Failure to delete unverifiable information FDCPA 1692g No proper validation of alleged debt UCC 1-308 Reservation of rights without prejudice I am now demanding full deletion of these items or I will escalate further complaints with the CFPB, BBB, FTC, and pursue legal remedies. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation