Consumer complaint received 2025-11-30 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: GA

Complaint narrative:
I am filing this formal complaint against Equifax Information Services, LLC regarding their willful failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( Reinvestigation ) and 1681e ( b ) ( Accuracy ). Equifax has engaged in a " sham '' investigation process that automated the rejection of my valid disputes over a Federal Holiday weekend. 

1. The " Sham '' Investigation ( Procedural Violation ) On XX/XX/XXXX, I mailed a comprehensive dispute regarding seven ( 7 ) specific trade lines via Certified Mail. Equifax received this dispute on Friday, XX/XX/XXXX, at XXXX XXXX. Equifax claims to have " completed '' this investigation on Tuesday, XX/XX/XXXX. No objection to the investigation as " frivolous '' or " suspicious '' was raised, meaning those defenses are waived. 

The Violation : The intervening period included a weekend and Monday, XX/XX/XXXX, which was XXXX XXXX Federal Holiday. 

The Impossibility : It is factually impossible for Equifax to have processed my dispute, transmitted XXXX requests to five distinct furnishers ( including the Department of Education and various banks ), and received valid, investigated responses in XXXX business days. Federal offices, banks, and courts were closed. 

This confirms Equifax utilized an automated " rubber-stamp '' process, ignoring my specific evidence and failing to conduct the " reasonable reinvestigation '' mandated by Congress.

2. The Missing Dispute ( XXXX XXXX  ) I disputed an account by XXXX XXXX XXXX ( Acct ending XXXX XXXXXXXX ) as unverifiable. Equifaxs results letter ( dated XX/XX/XXXX ) completely omits this item. It is not listed as verified, updated, or deleted. 

Violation : Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if an item is disputed and not verified within the statutory window, it must be deleted. Equifax failed to investigate this item entirely. I demand its immediate deletion.

3. Verification of " Factually Impossible '' Data Equifax " verified '' data that violates the laws of physics and finance, proving no human reviewed the file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax verified the " Original Creditor '' of this account as " XXXX XXXX XXXX. '' This is a junk debt buyer. It is impossible to open an original credit card with a debt collector. This is a " historical fiction '' and a violation of 1681e ( b ). 

XXXX XXXX XXXX XXXX XXXX ) : Equifax verified a balance of {$13000.00} while simultaneously verifying the status as " Transferred to XXXX. '' A sold debt can not carry a balance on the original lenders ledger. This creates double liability and violates the permissible purpose standard of 1681b. 

* Dept of Ed / XXXX ( XXXX ) : Equifax verified the account is " 120 days past due '' with a " Past Due Amount '' of {$280.00} ( approx. 10 payments ). However, they also verified the " Date of Last Payment '' was XX/XX/XXXX ( 26 months ago ). It is mathematically impossible to be 26 months without payment but only 10 months past due. The Department of Education ( closed on XXXX XXXX ) could not have verified this contradiction. 

4. Public Record ( Bankruptcy ) While Equifax deleted the challenged Bankruptcy record ( Case # XXXX ), this deletion confirms that their initial reporting standards were lax. The speed of this deletion ( over a holiday when the court was closed ) suggests a " soft delete '' to avoid liability rather than a genuine check with the court. 

5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax verified a debt ( XXXX XXXXXXXX ) from " XXXX XXXX XXXX '' for an invalid XXXX XXXX policy where no coverage was provided. Validating this over a holiday weekend implies Equifax merely matched my name/address and ignored the substantive dispute regarding the validity of the underlying contract. 

6. Demand for Relief Equifaxs investigation was a sham. They could not have contacted these furnishers over a Federal Holiday weekend. Their failure to investigate the XXXX account mandates its deletion. Their verification of " debt buyers '' as " original creditors '' is willful negligence. 

I demand the immediate deletion of : XXXX XXXX ( Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Acct XXXX XXXXXXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ( Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Acct XXXX XXXX ) XXXX XXXX ( Acct XXXX XXXXXXXX - Ignored entirely ) XXXX  XXXX Bankruptcy ( Ignored entirely ) Dept of Ed / XXXX ( Acct XXXX XXXX - Mathematically invalid ) Equifax must be sanctioned for automating disputes during federal holidays and representing them as genuine investigations.

Company response to consumer: Closed with explanation