Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Account : OHIO XXXX OF XXXX XXXX XXXX Type : Collection {$2400.00} I am filing this complaint against Equifax because they are reporting a government collection account labeled OHIO XXXX OF XXXX XXXX without providing any verification, documentation, or legal explanation for why this information is on my credit report. 
This looks like a possible child supportrelated debt, but I have received no written notice, no court documents, no assignment records, nothing that legally explains what this debt even is. Equifax is reporting a government collection with zero supporting documentation, which is a direct violation of federal law. 

I sent disputes directly to Equifax on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Equifax has had more than enough time to verify this item. 
Instead, they have provided nothing but stall tactics. 
What Equifax Sent Instead ( Illegal Stall Tactics ) Equifax has sent : A copy of my credit report ( which is NOT verification ) Stall letters claiming Im working with a third party ( I am not ) Letters suggesting I claimed identity theft ( I did not ) Zero documentation proving what this debt is These are known, documented stall tactics, and they violate the FCRA.

LEGAL VIOLATIONS BY EQUIFAX FCRA Violations Equifax is violating : FCRA 609 & 611 ( a ) You must provide the method of verification and actual documentation upon request.

FCRA 611 ( a ) ( 1 ) ( A ) You must conduct a reasonable investigation within 30 days.

FCRA 611 ( a ) ( 5 ) If an item can not be verified, it must be deleted.

FCRA 607 ( b ) Equifax must maintain maximum possible accuracy. 
Reporting a government collection with no paperwork is the exact opposite of accuracy. 
You Just Saying Verified Is NOT Verification Because it appears Equifax is confused about what verification actually means, let me clarify : To legally verify a government/child support collection, you MUST provide : Official documentation showing the original obligation Court order establishing the debt ( if applicable ) Payment ledger or account history from the state Proof of assignment to any collection entity Written notice sent to the consumer as required by law Source documentation of how Equifax obtained this information Equifax has provided NONE of these documents.

Additional Violations 1. No Written Notice Before Reporting I never received any notice or documentation before this was placed on my credit report.

2. No Validation OR Identification of Debt Type Equifax has not told me what this debt is, where it came from, or how it was verified.

3. Government Debt Is Not Public Information Child support or human-services debts can not be reported without strict legal process and proper documentation. 
Equifax has failed to provide either. 
4. Known History of Lawsuits & Data Breaches I am aware that Equifax has been sued repeatedly for : Failing to investigate disputes Reporting inaccurate information Failing to verify accounts Reinserting negative information Mishandling sensitive consumer data Exposing consumer information in massive data breaches And this situation is consistent with those same violations.

Company response to consumer: Closed with explanation