Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
CFPB Explanation SparkLight / Account XXXX XXXXXXXX Complaint Summary : I am disputing an inaccurate collection account being reported by Equifax from a furnisher identified as SparkLight. This account has been on my Equifax report for over a year, despite repeated disputes and Equifaxs inability to obtain verification. This same account has already been removed by XXXX  and TransUnion due to lack of verification from the furnisher. 

Details of the Issue : The XXXX account ( Account # XXXX ) reporting a balance of {$230.00} is inaccurate, unverifiable, and has never been validated. I have submitted multiple written disputes to Equifax over the past year, all by certified mail, including my most recent dispute sent on XX/XX/year> ( attached ). 

Despite more than 12 months of disputes : No documentation has ever been provided by Equifax or XXXX to verify the debt. 

No proof of ownership, billing statements, contracts, or validation has ever been supplied. 

Equifax continues to report the item with the remark : Consumer Disputes This Account Information, which indicates the furnisher has not responded to any reinvestigation.

The same account has already been deleted by two other national credit bureaus ( Experian and TransUnion ), confirming it can not be verified.

Equifax is continuing to report a collection account that it can not validate, which is a violation of federal law.

Violations of Federal Law : This situation violates multiple sections of the Fair Credit Reporting Act ( FCRA ), including : 1. FCRA 611 ( a ) ( 1 ) ( A ) : Requires CRAs to conduct a reasonable reinvestigation and either correct or delete information that can not be verified.

2. FCRA 611 ( a ) ( 5 ) ( A ) : States that any item of information that is inaccurate, incomplete, or can not be verified MUST be deleted from the consumers file.

3. FCRA 607 ( b ) : CRAs must ensure maximum possible accuracy.

Equifax is reporting a collection that two other CRAs found unverifiable and removed.

4. FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) : Equifax is required to provide the name, address, and contact information of the furnisher as part of the reinvestigation.

Equifax has never provided any furnisher address or contact info, suggesting the furnisher is unreachable or nonexistent in their system.

Continued reporting without verification constitutes willful noncompliance.

Why I Am Requesting CFPB Assistance : I have exhausted all options with Equifax directly.

They have : Failed to provide verification from the furnisher Failed to provide any documentation supporting the account Failed to supply the furnishers address or contact information Continued reporting the disputed account after more than a year Caused damage to my credit profile due to inaccurate, unverifiable data Reported inconsistent information across the 3 bureaus Because the other two CRAs have already removed the account, and the furnisher is unreachable or non-responsive, I am requesting CFPB assistance to require Equifax to :

Company response to consumer: Closed with non-monetary relief