Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Date : XX/XX/XXXX Via Certified Mail, XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXXXXXX DOB : XX/XX/XXXX | SSN ( last 4 digits ) : XXXX Phone : XXXX | Email : XXXX Subject : FCRA 611 ( a ) Reinvestigation XXXX & XXXX Accounts Dear Experian Dispute Department, I am disputing the following tradelines appearing on my Experian credit file : XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX {$2700.00} * * Collector failed to provide proper validation under FDCPA 809 ( b ). Their response only included a balance statement and attempted to shift the burden of proof to me. No signed agreement, no itemized ledger, no proof of legal assignment was produced. Reporting this unverifiable debt violates FCRA 607 ( b ) & 623 ( a ) ( 1 ) ( A ). 

XXXX Account # XXXX {$4000.00} XXXX XXXX This furnisher provided no response at all to my validation request. Silence confirms the account can not be verified. Reporting without validation violates FCRA 607 ( b ), 611 ( a ), and 623 ( a ).

Demand : Please conduct a reinvestigation as required under FCRA 611 ( a ). If the furnishers can not provide verifiable documentation, these tradelines must be deleted. Please send me written confirmation of deletion or results of reinvestigation within 30 days. 

Respectfully, ( Signature ) XXXX XXXX Enclosures : Copy of ID, Proof of Address, Prior Dispute Letter, CFPB Complaint Reference # XXXX Date : XX/XX/XXXX Via Certified Mail, XXXX Equifax XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX From : XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXXXXXX DOB : XX/XX/XXXX | SSN ( last 4 digits ) : XXXX Phone : XXXX | Email : XXXX Subject : FCRA 611 ( a ) Reinvestigation XXXX & XXXX Accounts Dear Equifax XXXX  Department, I am disputing the following tradelines appearing on my Equifax credit file : XXXX XXXX XXXX Account # XXXX XXXX XXXX {$2700.00} * * Collector failed to provide proper validation under FDCPA 809 ( b ). Their response only included a balance statement and attempted to shift the burden of proof to me. No signed agreement, no itemized ledger, no proof of legal assignment was produced. Reporting this unverifiable debt violates FCRA 607 ( b ) & 623 ( a ) ( 1 ) ( A ). 

XXXX Account # XXXX {$4000.00} * * This furnisher provided no response at all to my validation request. Silence confirms the account can not be verified. Reporting without validation violates FCRA 607 ( b ), 611 ( a ), and 623 ( a ).

Demand : Please conduct a reinvestigation as required under FCRA 611 ( a ). If the furnishers can not provide verifiable documentation, these tradelines must be deleted. Please send me written confirmation of deletion or results of reinvestigation within 30 days. 

Respectfully, ( Signature ) XXXX XXXX Enclosures : Copy of ID, Proof of Address, Prior Dispute Letter, CFPB Complaint Reference # XXXX Date : XX/XX/XXXX Via Certified Mail, XXXX  To : TransUnion LLC XXXX XXXX. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX From : XXXX XXXX XXXX XXXX XXXXXXXX XXXX 
XXXXXXXX XXXX XXXXXXXX DOB : XX/XX/XXXX | SSN ( last 4 digits ) : XXXX Phone : XXXX | Email : XXXX Subject : FCRA 611 ( a ) Reinvestigation XXXX & XXXX XXXX Dear Transunion XXXX Department, I am disputing the following tradelines appearing on my Transunion credit file : XXXX XXXX XXXX Account # XXXX XXXX XXXX {$2700.00} XXXX XXXX  Collector failed to provide proper validation under FDCPA 809 ( b ). Their response only included a balance statement and attempted to shift the burden of proof to me. No signed agreement, no itemized ledger, no proof of legal assignment was produced. Reporting this unverifiable debt violates FCRA 607 ( b ) & 623 ( a ) ( 1 ) ( A ). 

XXXX Account # XXXX {$4000.00} XXXX XXXX This furnisher provided no response at all to my validation request. Silence confirms the account can not be verified. Reporting without validation violates FCRA 607 ( b ), 611 ( a ), and 623 ( a ).

Demand : Please conduct a reinvestigation as required under FCRA 611 ( a ). If the furnishers can not provide verifiable documentation, these tradelines must be deleted. Please send me written confirmation of deletion or results of reinvestigation within 30 days. 

Respectfully, ( Signature ) XXXX XXXX Enclosures : Copy of ID, Proof of Address, Prior Dispute Letter, CFPB Complaint Reference # XXXX

Company response to consumer: Closed with explanation