Consumer complaint received 2025-12-24 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: GA

Complaint narrative:
TO : Consumer Financial Protection Bureau ( CFPB ) Complaint Submission via : www.consumerfinance.gov/complaint SUBJECT : Formal Complaint & Notice of Intent to Sue : Experian, Equifax, and TransUnion Violations of the Fair Credit Reporting Act ( FCRA ) Regarding Unverified Debt Collection Entries XXXX. Nature of Complaint : FCRA Violations in Credit Reporting Dispute Process I am filing this formal complaint against the three nationwide consumer reporting agencies ( CRAs ) : Experian Information Solutions , Inc., Equifax Information Services , LLC, and TransUnion, LLC. Each agency has violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), by failing to conduct a reasonable reinvestigation of disputed collection account entries on my credit report. 
Despite my repeated written disputes challenging the accuracy and verifiability of these debts, all three CRAs have negligently failed to delete the unverified information. Their automated processes and reliance on superficial " verification '' from data furnishers ( debt collectors ) are insufficient under the law. 
XXXX. Specific Deficiencies in the CRAs ' " Reinvestigation '' & Legal Violations My disputes explicitly requested that the debt collectors provide specific, lawful documentation to prove the alleged debts ' validity and their right to report them. The CRAs ' failure to obtain and review this documentation before continuing to report the items constitutes an unreasonable reinvestigation. The required proof that was never obtained includes : Chain of Custody/Proof of Ownership : Documentation establishing an unbroken chain of title from the original creditor to the current debt collector, proving legal standing to collect and report. 
Licensure to Collect in Georgia : Proof that the reporting debt collector is properly licensed to operate in my state of residence, Georgia, as required by state law.

Lawful Method of Verification : A meaningful description of the process used to verify that I owe the specific debt, for the specific amount, to the specific entity reporting it. Mere confirmation of matching data fields is not verification. 
Statute of Limitations Analysis : Documentation establishing the date of the last payment or charge-off to prove the debt is not time-barred from enforcement under Georgia law ( O.C.G.A . 9-3-24 ).

Proof of Consent for Reporting : Documentation showing my original written consent, per the terms of any alleged agreement, for a third-party debt collector to report my personal data to CRAs.

By accepting a mere " confirmation '' from the furnisher without ensuring these foundational legal and factual prerequisites were met, Experian, Equifax, and TransUnion have failed their duty under 15 U.S.C. 1681e ( b ) to maintain reasonable procedures to assure maximum possible accuracy. They are now reporting patently unverified information.

3. My Demands & Notice of Intent to Sue This letter serves as a formal complaint to the CFPB and a final Notice of Intent to Sue each CRA individually.

I demand that Experian, Equifax, and TransUnion each, within 15 calendar days : Permanently delete every collection account entry on my consumer credit file that was the subject of my prior disputes, as they remain unverified.

Provide me with written confirmation of the deletions and an updated credit report at no charge.

Ensure their procedures are corrected to prevent the re-insertion of these debts without strict compliance with 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

4. Consequences of Non-Compliance Failure to fully comply with these demands within the 15-day deadline will result in the immediate filing of a lawsuit against each non-compliant credit reporting agency. The lawsuit will seek : Statutory damages under the FCRA.

Actual damages for financial harm, emotional distress, and lost opportunities due to damaged credit.

Punitive damages for willful non-compliance ( 15 U.S.C. 1681n ).

Injunctive relief compelling the deletion of the unverified entries.

Attorneys fees and all court costs ( 15 U.S.C. 1681o ). 
I have retained records of all prior disputes and communications. The CRAs are on notice of their deficient procedures and their legal obligations. 
Respectfully submitted, XXXX XXXX

Company response to consumer: Closed with explanation