Consumer complaint received 2025-07-13 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:
Letter 1 : Dispute to TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX Date of Birth : XX/XX/XXXXXXXX XXXX XXXX  SSN : XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX, PA XXXX Date : XX/XX/XXXXXXXX  Subject : Formal Dispute, Complaint, and Demand for Investigation - Report for XXXX XXXX To Whom It May Concern : This is a formal dispute of inaccurate information on my credit report for XXXX XXXX XXXX . I am demanding a thorough investigation into these items pursuant to my rights under the Fair Credit Reporting Act ( FCRA ). 
The following information is inaccurate and must be corrected or deleted immediately : XXXX XXXXXXXX  ( Account # XXXX XXXX XXXX XXXX XXXX XXXX  This account reports a 60-day late payment. I dispute the accuracy of this delinquency. Please provide absolute, verifiable proof from the original creditor that this payment was late. If you can not provide such proof, you must delete this late payment notation immediately. 
XXXX XXXX  ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX This account reports a 60-day late payment. I dispute the accuracy of this delinquency. As with the above, you are required to verify this with the original creditor. Absent verifiable proof, this negative information must be removed. 
XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : This account is listed as a " Collection/Chargeoff ''. I dispute the validity of this entire account and its derogatory status. Please provide validation of this debt from the original creditor, including proof that you are authorized to report it. Failure to validate will require its immediate deletion from my report. 
* Hard Inquiries : My report lists 17 inquiries. I demand you verify that each of these inquiries had a legally permissible purpose under the FCRA.

Failure to properly investigate and correct or delete these inaccuracies within the 30-day period mandated by the FCRA will be considered a willful violation of my rights. I expect an updated copy of my credit report upon completion of your investigation.

Sincerely, XXXX XXXX Letter 2 : Dispute to Experian XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX Date of Birth : XX/XX/XXXXXXXX XXXX XXXX SSN : XXXX Experian XXXX XXXX XXXX XXXXXXXX, TX XXXX Date : XX/XX/XXXX Subject : Formal Complaint and Demand for Immediate Rectification of Inaccurate and Incomplete Credit File - Report for XXXX XXXX To Whom It May Concern : I am writing to file a formal complaint regarding the grossly incomplete and therefore inaccurate credit file you are maintaining for me, XXXX XXXX XXXX. Your failure to maintain an accurate file is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 1681e ( b ) which requires you to follow reasonable procedures to assure " maximum possible accuracy. '' As of my XX/XX/XXXX, credit report, you were unable to calculate a credit score for me and failed to report data on nearly all of my accounts. An empty or suppressed file is the epitome of inaccuracy and has a severe, detrimental impact on my livelihood, preventing me from being fairly evaluated for credit. 
This constitutes a willful act of negligence and a severe dereliction of your duties as a credit reporting agency. I demand the following immediate actions : * An immediate investigation into why my file is suppressed, blocked, or otherwise incomplete. 
* The name and title of the individual or entity who authorized the suppression or " closing '' of my credit file reporting. I did not consent to this. 
* The immediate unblocking and full restoration of my credit file with all historically accurate data. 
* A complete, updated copy of my full credit file and the results of your investigation sent to my address on file. 
Your stalling and failure to maintain a usable credit file are causing me significant financial harm. If this matter is not rectified within the 30-day period stipulated by the FCRA, I will not hesitate to seek all available legal remedies for willful non-compliance, including damages.

Sincerely, XXXX XXXX Letter 3 : Dispute to Equifax XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX Date of Birth : XX/XX/XXXXXXXX  XXXX : XXXX Equifax XXXX Services XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date : XX/XX/XXXXXXXX  Subject : Formal Complaint and Demand for Immediate Rectification of Inaccurate and Incomplete Credit File - Report for XXXX XXXX XXXX XXXX It May Concern : This letter is a formal complaint regarding the severely incomplete and inaccurate credit file you are reporting for me, XXXX XXXX XXXX XXXX Your organization 's failure to maintain a complete and accurate file is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), particularly the mandate for " maximum possible accuracy '' under 1681e ( b ).

According to my credit report dated XX/XX/XXXX, you are unable to calculate my credit score and are not reporting information for the vast majority of my financial accounts. A credit file that is missing most of its data is inaccurate, misleading, and damaging. It is actively preventing me from participating in the credit marketplace and is a direct threat to my financial well-being. 
This situation suggests my file has been improperly suppressed or blocked without my consent. This is unacceptable and a grievous violation of your duties. I demand the following immediate actions : * A full investigation into why my credit file is incomplete and non-functional. 
* Full disclosure of who authorized the blocking of my data, as this action was taken without my permission. 
* The immediate and complete restoration of my credit file to include all relevant, historically accurate data. 
* A complete and updated copy of my credit report and the results of your investigation mailed to me. 
Your failure to provide a complete and accurate credit file is causing me demonstrable harm. I expect this issue to be fully resolved within the 30-day period required by the FCRA. Should you fail to comply, I am prepared to pursue all legal avenues to protect my rights and seek damages for your willful negligence.

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief