Consumer complaint received 2025-06-30 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:
To : Equifax Information Services XXXX. XXXX XXXX, GA XXXX Subject : Formal Rebuttal to Incomplete and Inaccurate Investigation Results- Verified Accounts Without Documentation To Whom It May Concern, This correspondence is in response to the results received from the Consumer Financial Protection Bureau ( CFPB ) complaint submission and the response Equifax issued regarding several disputed accounts. Although Equifax marked several tradelines as " verified, '' this was done without any documented evidence or proof of verification, violating both my rights as a consumer and multiple federal regulations.

Under FCRA 15 U.S.C. 1681i and 1681s-2 ( b ), a reinvestigation must be reasonable and include evidence from the furnisher supporting the continued reporting. Simply checking with the furnisher and receiving a reply is not sufficient under the law. I am hereby challenging the so-called " verified '' accounts due to lack of documentary proof, inaccuracy, and unverifiability.

The following accounts were improperly verified without providing proper validation, supporting documentation, or contract agreements : XXXX. XXXX XXXX NO contract, application, or billing statements provided NO original creditor evidence submitted Violates FCRA 1681e ( b ) and 1681i ( a ) XXXX. XXXX XXXX XXXX XXXX Account was verified without furnishing evidence of legal liability Lacks billing history, application, or wet signature agreement Violates FCRA 1681s-2 and FDCPA 1692g 3. XXXX XXXX XXXX  ( XXXX entries ) False or unverifiable delinquency data remains Failure to report a full accounting or payoff No itemized breakdown of debt and charges FCRA 1681i violations and unreasonable reinvestigation XXXX. XXXX XXXX XXXX XXXX XXXX of false payment reporting Missing documents to confirm original balance or late fees Misleading furnishing and no updated consumer statement XXXX. XXXX XXXX XXXX XXXX XXXX entries ) NO chain of title or assignment provided Reported amounts and dates of delinquency modified without proof Data entry manipulated to maintain derogatory status Violates FDCPA 1692e ( false representation ), FCRA 1681i 6. XXXX XXXX XXXX XXXX XXXX No agreement, contract, or original itemized proof submitted Account origin and balance unverifiable Must be deleted immediately per FCRA and FTC guidance These tradelines remain in factual dispute due to : Absence of legally sufficient evidence Refusal to provide full and complete validation Multiple violations of the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and UCC 9-210 This is NOT a frivolous dispute. It is a formal rebuttal and continuation of a previously submitted dispute with supplementary facts and demands.

I am demanding that Equifax : Immediately delete the inaccurate and unverifiable tradelines listed above.

Provide a full reinvestigation including supporting documents and contracts.

Cease reporting unverifiable negative data and submit a rapid rescoring to all bureaus.

Failure to comply may result in formal complaints to the FTC, CFPB escalation, and legal action under : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) XXXX XXXX Equifax, XXXX XXXX XXXX ( XXXX. XXXX. XXXX )

Company response to consumer: Closed with non-monetary relief