Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am filing this formal complaint against Equifax, Transunion and Experian for failing to perform a lawful and reasonable investigation regarding multiple disputes I submitted. Equifax 's handling of my disputes violates several sections of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq. Their failure to verify, correct, or delete inaccurate and unauthorized information has caused harm to my credit, mental health, and overall well-being. Automated Dispute Denials Without Investigation Equifax dismissed my dispute in less than 24 hours with the generic statement : Inquiries are a factual record of file access and will remain on the Equifax credit file two years from the reported date of the inquiry. 

Equifax falsely claimed they contacted furnishers and provided them with documentation, yet I was given no evidence or description of how my dispute was reviewed, nor any method used to verify the disputed information. I formally requested this information, and Equifax failed to comply. 

This violates : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation. 

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to provide a description of the procedure used to verify the disputed data. 

15 U.S.C. 1681e ( b ) Failure to maintain maximum accuracy. 
Equifax has also failed to properly investigate and remove the following accounts, which contain incomplete, inaccurate, or unverifiable information : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Assigned : XX/XX/XXXX | Amount : {$4900.00} Status Date : XX/XX/XXXX Missing all 24-month account history ; all reporting tables are blank, indicating the furnisher did not provide complete data. 

XXXX XXXX XXXX Account # XXXX Shows closed, but contains incomplete or missing details such as opening/closing dates and payment history. Blank data tables again indicate failure to verify. 

XXXX XXXX XXXX XXXX XXXX XXXX ) Inaccurately reports I paid only {$1400.00}. No on-time payment history is shown. Charts and payment history are blank, further violating accuracy standards. 

These accounts must be deleted for violating : 15 U.S.C. 1681i ( a ) Failure to conduct proper reinvestigation. 

15 U.S.C. 1681e ( b ) Inaccurate and incomplete reporting. 

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ) If any data was reinserted, I did not receive a 5-day notice as required. 

lacks my signature, account-opening documents, or actual verification of ownership, that is not legal proof under the Fair Credit Reporting Act ( FCRA ) Under the FCRA ( 15 U.S. Code 1681i ), when you dispute information, the CRA must : Conduct a reasonable reinvestigation within 30 days. 

Verify the accuracy and completeness of the information. 

If you request it, provide a description of the procedure used to verify it. 
( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ) So, if the only " proof '' they can provide is a vague summary without : A signed application or agreement, Date-stamped statements or communications, Identification linking the debt to you directly ( SSN, full name, address on file at the time ) then it means they have not verified the debt as required by law. 

I am demanding the immediate deletion of a fraudulent debt reported by XXXX XXXX XXXX XXXX XXXX XXXX, which is falsely listed as a rental debt associated with a property called XXXX XXXX. 

I have no legal obligation to this company and have never signed any contract or agreement establishing a debt with them. Despite my repeated disputes, all three major credit bureaus Equifax, Experian, and TransUnion continue to report this account, allowing interest to accrue and severely harming my credit profile. 

I have requested valid documentation of this debt multiple times. 

The only proof provided has been either a generic lease or an automated statement, neither of which : Contain my signature, Specify the terms of the alleged debt, Show any notice of delinquency, eviction, or legal action that would justify a debt of this size. 

No eviction record exists in my name. 

This company has a known reputation for fraudulent rental collections and improper credit reporting. 

This debt is being reported as if it were a loan or credit account, with interest being added monthly a practice that is fraudulent, as : This was allegedly a rental situation not an open-end or installment loan account. 

No terms were agreed upon for interest, and I never acknowledged or signed for this debt. 

This is a direct violation of FCRA 15 U.S.C. 1681i ( failure to verify data ), and potentially a violation of the FDCPA 15 U.S.C. 1692e ( 2 ) ( A ), which prohibits false representation of the character, amount, or legal status of a debt. 

Additionally, each time interest is added, my credit score drops causing real financial damage from a debt I do not owe. The failure of the credit reporting agencies to investigate this matter properly after multiple disputes amounts to negligent and willful noncompliance with the law. 

: I am formally demanding that Equifax, Experian, and TransUnion : Immediately delete the XXXX XXXX XXXX XXXX XXXX XXXX tradeline from my credit reports. 

Provide written documentation of the full investigation, including : The name of the person or department who verified this data, The method and date of investigation, Any and all documentation used to justify keeping this tradeline on file. 

Cease and desist reporting of any alleged balance or interest increase tied to this account. 

If you can not verify this account with a signed agreement or enforceable contract, this debt must be removed immediately.

Company response to consumer: Closed with explanation