Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
RE : Formal Complaint Failure to Conduct Reasonable Investigation / Failure to Provide Proper Method of Verification I am submitting this complaint regarding Equifax and XXXX XXXX XXXX concerning an inaccurate and improperly verified collection account appearing on my consumer credit file. I previously disputed this account directly with Equifax and specifically requested the Method of Verification pursuant to the Fair Credit Reporting Act, including 15 U.S.C. 1681i ( a ) ( 6 ) and 1681i ( a ) ( 7 ). My dispute was sent by certified mail. Approximately 30 days later, I received a response that merely restated tradeline information allegedly supplied by XXXX XXXX XXXX. The response did not provide the actual method of verification used during the reinvestigation. Equifax failed to provide : The identity of the individual or entity that verified the account The documents reviewed during the investigation The procedure used to determine the account was accurate Any evidence demonstrating a reasonable investigation occurred Any competent documentary evidence supporting the balance or ownership of the alleged debt Instead, Equifax appears to have relied solely on automated furnishing data from XXXX XXXX XXXX. Additionally, the investigation results themselves contain incomplete and inconsistent reporting, including blank or missing fields such as : Charge Off Amount Date Major Delinquency First Reported Actual payment details Original creditor documentation Itemized accounting supporting the balance Notably, XXXX XXXX XXXX updated the balance after my dispute, which further demonstrates that the information previously reported was not fully accurate. Despite this, the account continues to be reported as verified. I believe Equifax violated : FCRA 1681i Failure to conduct a reasonable reinvestigation FCRA 1681i ( a ) ( 7 ) Failure to provide proper method of verification FCRA 1681e ( b ) Failure to assure maximum possible accuracy I further believe XXXX XXXX XXXX violated : FCRA 1681s-2 ( b ) Failure to conduct a reasonable investigation after notice of dispute FDCPA 1692e Misleading or deceptive collection reporting, if applicable FDCPA 1692g Failure to provide proper validation of the alleged debt, if applicable I am requesting the following relief : 1. Immediate deletion of the XXXX XXXX XXXX account from my Equifax credit file ; or 2. Full documentary verification, including : - Complete account-level payment history - Original creditor information - Chain of assignment/purchase documentation - Itemized balance calculation - Documentary proof of legal ownership and collection authority - Documentation supporting the reported delinquency dates I also request that Equifax provide the complete method of verification as required under federal law, including the name, address, telephone number, and verification procedure used during the reinvestigation. Please investigate this matter thoroughly and provide a written response.

Company response to consumer: Closed with explanation