Consumer complaint received 2025-09-23 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: IL

Complaint narrative:
This is my XXXX formal complaint regarding false and unlawful reporting on my credit profile. My previous CFPB complaint is still open, and I have not yet submitted my FTC filing, but due to ongoing violations and damages, I am forced to escalate this issue further. These accounts are being reported inaccurately, without validation, and in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Consumer Financial Protection Bureau guidelines. I am requesting immediate investigation, deletion of all unverifiable and duplicate accounts, and full compliance with federal law XXXX XXXX XXXX XXXX High Balance : {$1000.00} Date Opened : XX/XX/XXXX Charge Off This account is reported as a charge off but no original contract, billing statements, or signed agreement has ever been provided to me as required under FCRA 609 ( a ) and FDCPA 809 ( b ). A charge off is a severe derogatory mark that falsely implies I defaulted, yet XXXX has failed to provide me with proof that the debt is valid, legally enforceable, or even belongs to me. This reporting is damaging my ability to obtain credit, employment, and housing. Under FCRA 623 ( a ) ( 1 ), furnishers are prohibited from reporting information they know or should know is inaccurate. Without proper documentation, this account must be removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$980.00} Date Opened : XX/XX/XXXX Collection This alleged collection account is being reported without any validation. I have not received a dunning letter as required by FDCPA 809 ( a ), nor have I been given the right to dispute within 30 days as mandated by law. XXXX XXXX is known for purchasing junk debt and re-aging accounts in violation of FCRA 605 ( a ). The balance and open date are inconsistent with my credit records, proving errors and violations. This collection is creating false derogatory harm to my file and preventing me from financial opportunities. 
XXXX XXXX XXXX High Balance : {$1000.00} Date Opened : XXXXXX/XX/XXXX Collection This account is inaccurately placed on my credit report with no notice of assignment, no validation, and no contract. FCRA 611 ( b ) requires a proper reinvestigation upon dispute, yet this account continues to reappear without evidence. XXXX XXXX XXXX has violated FDCPA 807 ( 2 ) ( A ) by misrepresenting the legal status of the alleged debt. The account is unverifiable, and its placement is unlawful and abusive to my consumer rights. 
These accounts are all reported in violation of federal consumer protection laws. They are unverifiable, inaccurate, duplicative, and damaging to my financial reputation. FCRA 602 ( a ) establishes that inaccurate credit reporting directly threatens the financial security of consumers. Continued reporting despite my disputes constitutes willful noncompliance. I demand that these items be permanently deleted from my credit reports, that the furnishers be held accountable for their violations, and that CFPB take immediate enforcement action. If not corrected, I will escalate this matter with the FTC, state regulators, and seek legal remedies for damages caused by these violations

Company response to consumer: Closed with non-monetary relief