Consumer complaint received 2025-10-12 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: FL

Complaint narrative:
" Re : Failure to Substantively Respond Within 30 Days Violation of FCRA 611 ( 15 U.S.C. 1681i ) and FDCPA 809 ( 15 U.S.C. 1692g ) CFPB Complaint # XXXX | IC System Reference # XXXX Dear Compliance XXXX, This correspondence serves as formal notice of non-compliance and demand for immediate corrective action regarding the continued publication and maintenance of an unverified collection account reported by XXXX XXXX, XXXX XXXX 

On XX/XX/year>, I initiated a dispute and Debt Validation / Cease and Desist request with XXXX XXXX  subsequently filed as CFPB Complaint # XXXX. XXXX XXXX acknowledged receipt and responded on XX/XX/year> with a generic statement that my correspondence would be handled according to internal policies. To date, no competent evidence has been produced demonstrating the existence, validity, or lawful assignment of the alleged obligation. 

1. Failure to Validate Under 15 U.S.C. 1692g XXXX XXXX continued reporting of this tradeline without furnishing a complete validation packageincluding original creditor, account documentation, itemization, and proof of collection authorityconstitutes a violation of the Fair Debt Collection Practices Act. Until validation is provided, all collection activity and data furnishing must cease. 

XXXX. Failure to Reinvestigate Under 15 U.S.C. 1681i XXXX  and Equifax were notified of the dispute concurrently. More than 30 days have elapsed without a reinvestigation result, verification, or deletion. Under the Fair Credit Reporting Act, unverified data must be removed from consumer files. Continuing to publish unverifiable information is a willful or negligent violation subject to statutory damages. 

3. Metro 2 Reporting Non-Compliance Pursuant to the Credit Reporting Resource Guide ( Metro 2 Format ) and CFPB guidance, furnishers must report only data that is accurate, complete, and verifiable. By maintaining an account under open, in collections, or similar status without documentary validation, IC System, Experian, and XXXX  are in violation of Metro 2 field-level accuracy standards ( Fields 17A19B, 25, and 27 ). 

Demand for Corrective Action Immediate deletion of all IC System-related tradelines and associated data from my Experian and XXXX  consumer files.

Written confirmation of deletion and compliance within 15 calendar days of receipt of this notice.

Cessation of reporting and collection activity by XXXX XXXX unless full documentary validation is produced. 

Preservation of all relevant records for potential regulatory review or civil litigation. 

Failure to comply will result in referral to the CFPB Enforcement Division, Federal Trade Commission, and applicable state consumer-protection authorities for investigation of willful FCRA and FDCPA violations. All rights and remedies under 15 U.S.C. 1681n, 1681o, and 1692k are expressly reserved.

Kindly confirm receipt and compliance in writing no later than XX/XX/year>. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation