Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am submitting this correspondence through the Consumer Financial Protection Bureau to place all parties on formal notice and to ensure a clear, accurate, and complete regulatory record of the issues raised, the responses provided, and any corrective action taken or not taken. I am using the CFPB process to document notice, investigation, and compliance with applicable law in a transparent and verifiable manner, including for purposes of preserving an accurate record should further regulatory review or judicial consideration become necessary. 

This submission concerns potential collection tradelines furnished by XXXX XXXX XXXX XXXX XXXX that may be appearing, or may be furnished in the future, on my credit report. This correspondence is intended to document a formal dispute and to request reinvestigation and verification to the extent any such tradeline is currently reported or later furnished. 

XXXX XXXX XXXX XXXX XXXX is currently the subject of an active Consumer Financial Protection Bureau complaint filed by me under CFPB Complaint ID XXXX. This matter also has prior CFPB complaint history involving the same furnisher and the same disputed reporting issues. The disputes concern collection accounts that XXXX XXXX XXXX attributes to me, including at least two XXXX XXXX accounts and one XXXX XXXX XXXX account, as well as the manner in which those accounts have been represented and the furnishers stated intent to continue reporting them. 

At this time, I am not asserting that any specific credit bureau is definitively reporting these tradelines. This submission is intended to place formal notice on record so that, if any tradeline from XXXX XXXX XXXX XXXX XXXX is currently reported, reinserted, or furnished in the future, it is clear that the information is disputed and subject to accuracy and reinvestigation requirements under the Fair Credit Reporting Act. 

The core dispute is not limited to whether historical account records exist. The dispute concerns whether the information furnished and reported is accurate, complete, and not misleading in light of the legal status of the alleged accounts, including statute-of-limitations considerations acknowledged by the furnisher, the presentation of the accounts as active collections, and the furnishers stated intent to continue reporting them as unpaid. 

In its CFPB response, XXXX XXXX XXXX stated that it reviewed its records, placed the XXXX XXXX XXXX account into disputed status while requesting documentation, and indicated that it may resume collection activity after receiving documentation. It also stated that it placed accounts into a cease-and-desist communication status. In the same response, the furnisher acknowledged that the law limits how long a consumer can be sued on a debt and stated that, due to the age of certain accounts, it will not sue, while also stating that it may continue reporting the accounts as unpaid as long as the law permits. The furnisher further asserted that it is licensed in Washington but did not provide a license number or documentary proof of authorization in its response. 

To the extent any tradeline from XXXX XXXX XXXX XXXX XXXX is reported, I dispute the reporting as potentially inaccurate and misleading in several respects. I dispute whether the furnisher has lawful authority to furnish and continue furnishing the tradeline. I dispute whether the reporting is complete and non-misleading given the acknowledged statute-of-limitations issues and the admission that certain accounts are judicially unenforceable, while still being presented as active collection obligations. I dispute whether the reporting implies enforceability or a compulsory obligation to pay despite the stated lack of enforceability through litigation. I also dispute whether any reinvestigation that merely confirms a furnishers assertions without meaningful verification would satisfy the requirement of a reasonable reinvestigation under the Fair Credit Reporting Act. 

This submission is also intended to prevent inaccurate reinsertion or passive continuation of disputed reporting. If any XXXX XXXX XXXX XXXX XXXX tradeline is present now or furnished in the future, I am requesting a reasonable reinvestigation and verification, including confirmation that the information meets the standard of maximum possible accuracy and does not present a misleading impression regarding legal status or enforceability. If the furnisher can not substantiate the accuracy and completeness of the reporting in a manner consistent with applicable law, correction or deletion should occur as required. 

This correspondence is provided in good faith to ensure accurate, lawful, and non-misleading consumer reporting and to preserve a complete regulatory record of notice, response, and compliance.

Company response to consumer: Closed with explanation