Consumer complaint received 2025-01-25 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: SC

Complaint narrative:
To Whom It May Concern, I am writing to express my utter frustration and disappointment with Equifax 's failure to properly investigate the fraudulent tradelines on my credit report. These accounts are not mine and have no legitimate basis to appear on my credit profile. Your continued negligence in addressing this matter is unacceptable and appears to demonstrate a blatant disregard for consumer protection laws. 

To make matters worse, XXXX XXXX XXXX is actively pursuing a debt that is fraudulent, which constitutes a direct violation of federal law, including the Fair Debt Collection Practices Act ( FDCPA ). You are complicit in perpetuating this harm by refusing to conduct a thorough investigation into these fraudulent accounts.The complaint references an Affidavit to support your pleadings however the pleadings reference only an " account '' owed rather than a " debt '' as clearly, the " debt '' has been securitized at origination and there is no assignment back to XXXX for it to sell a " debt '' to XXXX. The chain of title has been broken by their own documents The amount of debt is irrelevant in any analysis if you can not prove ownership of the debt. The recent XXXX CFPB award of {$24.00} XXXX against XXXX ( by Consent Order ) outlined a previous XXXX consent order from the CFPB for {$12.00} XXXX that after agreeing to stop violating the law, XXXX just went ahead violating the same rules and the consent order. So, the CFPB hit them again this time for {$24.00} XXXX. The consent order outlined specific things XXXX must do prior to suing and what paperwork must accompany any lawsuit. 

Please feel free to also take a look at the consent order that deals with " Original Account- Level Documentation or OALD means : XXXX XXXX. iii. any documentation that a creditor or that creditors agent ( such as servicer ) provided to a consumer about a debt ; or a complete transactional history of a debt created by a creditor or that creditors agent ( such as servicer ) ; or a copy of a judgment awarded to a creditor or awarded to XXXX in a lawsuit filed '' There is no documentation of the organization of the loan/credit XXXX claims that we owe & the CFPB knows this, hence the reason your client is always in hot water Equifax, XXXX is XXXX! 

For your reference, XXXX has already completed a thorough investigation and correctly removed the fraudulent XXXX XXXX, acknowledging it as inaccurate. This further highlights Equifaxs failure to uphold its duty to investigate and report accurate information. They have not provided YOU or Me a 1099-K of this unsecured debt that is not mine! THIS IS FRAUD! All dates of this debt are inaccurate and you have proven that as your " reinvestagtion '' has no chain of title, 1099-K, correct dates, all of this does not show on the account and says " unavailable '' YOU ARE BREAKING THE LAW! How is that XXXX says that this tradeline does not hold up to FCRA and Equifax doesnt, that does not make sense as you guys are not properly investagating these fraudelent companies and what they say! I have attached the experian proof below! 

Additionally, I have repeatedly requested that you update my address to the correct one on file, yet you refuse to do so. This refusal only reinforces the appearance that Equifax is intentionally maintaining false and outdated information to profit from reporting inaccurate tradelines. This is an egregious violation of the Fair Credit Reporting Act ( FCRA ) and a clear indication of bad faith. 

I demand the following actions be taken immediately : Removal of all fraudulent tradelines from my credit report. 
Reinvestigation of all disputed accounts to ensure compliance with the FCRA and other applicable laws. 
Immediate correction of my address to reflect the correct information I have provided.

Company response to consumer: Closed with explanation