Consumer complaint received 2025-11-12 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: CA

Complaint narrative:
XXXX XXXX is being reported as a {$8200.00} charge-off with inconsistent XXXX XXXX fields and missing DOFD/verification. The tradeline shows charge-off/collection status while also listing conflicting dates and no valid verification. The entry remains coded Account not disputed despite repeated disputes. These practices violate FCRA 602 ( a ), 607 ( b ), 611 ( a ) and XXXX XXXX reporting rules. 
What I did ( short ) : I disputed the Capital XXXX tradeline with Equifax and TransUnion over XXXX  days ago and requested verification of the debt and XXXX XXXX field corrections. Neither bureau has supplied the required documentation or corrected the file. 
What would be a fair resolution ( REWRITTEN strong / detailed ) : Delete the XXXX XXXX {$8200.00} charge-off immediately unless XXXX XXXX provides full, contemporaneous verification that complies with the standards below. If verification is provided, then correct all XXXX XXXX fields so they are internally consistent ( accurate account status, payment rating, DOFD, remarks ), and add the correct dispute notation. 
Verification standards demanded : XXXX XXXX ( or any furnisher ) must produce : The original signed cardholder agreement or application bearing the consumers signature/consent ; The complete, itemized payment history proving charges and payments that support the {$8200.00} balance ; A clear itemized charge-off calculation ( principal, fees, interest ) and documentation showing when/how the charge-off was calculated ; The Date of First Delinquency ( DOFD ) with supporting documentation ; The XXXX XXXX record originally transmitted to each bureau XXXX XXXX XXXX, Account Status code, Payment Rating, Compliance Condition Codes, Remarks ), and the subscriber/furnisher identity used in that transmission ; Any evidence of assignment or sale of the account ( chain of title, bill of sale ) if a third party is attempting XXXX collect. 
What does NOT count as verification : do not accept as verification : a copy of my credit report, screenshots, non-specific we verified statements, a note that a credit repair company is working my file, or an assertion of identity theft without documents. Those are insufficient under FCRA 611 ( a ) and XXXX XXXX requirements. 
Alleged violations : failure to perform a reasonable reinvestigation ( FCRA XXXX ), publishing inaccurate/inconsistent XXXX XXXX fields ( FCRA 607 ( b ) ), not marking a disputed item properly, and failing to provide chain-of-custody or debt ownership documentation where required. 
Demand and notice of legal remedies : Provide the full verification packet within 30 days or delete the account from my file. If you fail to properly verify and correct this tradeline, I will escalate filing CFPB/state complaints and pursuing statutory and actual damages under the FCRA ( including litigation against the bureaus and furnishers for willful/negligent noncompliance ). Consider this formal notice : do your job or face enforcement and legal action.

Company response to consumer: Closed with non-monetary relief