Consumer complaint received 2025-06-04 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: FL

Complaint narrative:
Subject : Escalation of Complaint Against XXXX XXXX for FCRA Violations, Unlawful Debt Reporting, and Attorney Misrepresentation To Whom It May Concern, I am submitting this formal escalation regarding my complaint against XXXXXXXX XXXX XXXX XXXX. ( CFPB Case No. XXXXCourt Case # : XXXX ) due to their failure to validate debt, continued inaccurate reporting, and violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Additionally, my attorney misrepresented the legal standing of the debt, stating that filing a judgment was equivalent to debt validation, which is factually incorrect under federal law. XXXX XXXX  was aware of my financial hardship yet refused to negotiate, forcing me into an unfair settlement while my credit file remained damaged by repeated charge-offs. 
I. XXXX XXXX Failure to Validate Debt ( FCRA 1681s-2 ( a ) ) XXXX XXXX response did not provide substantive validation documentation, such as : Signed account agreements Itemized statements Transaction history Instead, XXXX XXXX merely confirmed the account details ( open date, charge-off date, and balance ) without proving the debts validity. This violates FCRA 1681s-2 ( a ), which requires furnishers to report only verified and accurate information. 
II. Attorneys Misrepresentation & Failure to Litigate FCRA/FDCPA Violations My attorney incorrectly advised that filing a judgment was equivalent to debt validation, which is factually incorrect under FCRA 1681s-2 ( a ). 
My attorney failed to litigate the FCRA violations, despite being informed of ongoing errors and class action lawsuits against XXXX XXXX. 
Case Law : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, No. XXXX ( XXXXXXXX XXXX XXXX ) Found that failure to correct inaccurate reporting before settlement can be grounds for legal action. 
III. XXXX XXXX XXXXwareness of My Hardship Yet Refusal to Negotiate XXXX XXXX proceeded with judgment enforcement despite clear evidence of financial hardship, including : My husbands XXXX in XXXX, which left him with XXXX XXXX XXXX XXXX XXXX requiring ongoing care. 
My own medical expenses, as I am a XXXX XXXX survivor and suffer from XXXX, which impacts my financial stability. 
XXXX XXXX refusal to negotiate, despite being subject to class action lawsuits for similar violations. 
XXXX XXXX forced me to pay {$670.00} despite knowing my financial hardship. 
IV. Violations Within the Stipulation Agreement Under Florida Law XXXX XXXX stipulation agreement contains procedural deficiencies that violate Florida law, including : Unconscionable contract terms XXXX XXXX refusal to negotiate despite financial hardship may constitute unfair and deceptive practices under Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ) Fla. Stat. 501.204. 
V. XXXX XXXX  Lack of Flexibility Despite Class Action Lawsuits XXXX XXXX  has been subject to multiple class actions, including : XXXX XXXX Mortgage Credit Reporting FCRA Settlement XXXX XXXX agreed to a {$400000.00} settlement for failing to properly investigate disputes regarding late mortgage payments. 
CFPB Enforcement Action ( XXXX ) XXXX XXXX was fined {$20.00} XXXX for systemic errors in furnishing consumer credit data, including failure to correct inaccurate reporting. 
VI. Request for Immediate Action Given these violations, I respectfully request the CFPB to : 1. Investigate XXXX XXXX for repeated FCRA and consumer protection violations. 
2. Order XXXX XXXX to provide full debt validation documentation or delete the unvalidated debt from my credit file. 
3. Require XXXX XXXX to cease reporting monthly charge-offs that artificially extend the reporting period. 
4. Ensure Credit Reporting Agencies remove inaccurate information related to these debts. 
5. Bar XXXX XXXX from re-reporting these debts in violation of federal and state laws. 
6. Invalidate the legal judgment due to failure to litigate credit file errors. 
V. Credit Bureaus ( XXXX Equifax, XXXX ) are complicit in reporting these errors as the Creditor, TD Bank has not validated the debt per FCRA rules, as per my legal representative las communication in XX/XX/XXXX, XXXX XXXX XXXX and has been going on back & forth without valid responses which the CRAs in their complicity are also in violation. 

VI. Supporting Documentation is attached 1. CFPB Complaints 2. Case History 3. Case Stipulation without validation of debt. 

Respectfully submitted, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief