Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint because multiple accounts and inquiries currently being reported by Equifax Information Services LLC are inaccurate, unverifiable, incomplete, and therefore illegal to report under federal law. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), credit reporting agencies must conduct a reasonable reinvestigation of any disputed information. No bureau may continue reporting information that can not be verified with documented evidence from the original creditor.

The accounts in question include late payments, charge-offs, collections, and unauthorized inquiries. I demand deletion because : None of the furnishers have produced a legally binding contract, original signed agreement, or complete chain of title proving assignment or ownership of the alleged debts. Without such documentation, continued reporting violates FCRA 609 ( a ) ( 1 ), FCRA 611 ( a ) ( 5 ), and 15 U.S.C. 1681e ( b ), which require accurate and complete reporting.

Debt collectors must prove ownership and legal right to collect by producing the bill of sale and assignment chain referencing my name and account number. Bulk sales without individualized documentation do not satisfy the law. Failure to provide this is a violation of FDCPA, 15 U.S.C. 1692g ( b ), as well as FCRA 623 ( a ) ( 3 ) requiring accurate reporting by furnishers.

No section of the FCRA explicitly defines charge-off, and furnishers routinely misuse this label in violation of Generally Accepted Accounting Principles ( GAAP ) and FFIEC guidelines. Reporting a balance after charging off is deceptive, and without complete accounting ledgers, amortization schedules, and records of principal/interest allocation, the data remains unverifiable and misleading under FCRA 607 ( b ).

Late payments are not permitted to be reported indefinitely, and in many cases, lenders fail to comply with 15 U.S.C. 1666 ( b ) ( billing error protections ) and Regulation Z ( Truth in Lending Act ), which requires proper notice and opportunity to cure before declaring delinquency. Failure to produce payment histories proving their claims makes this reporting unlawful.

Hard inquiries made without my written authorization or permissible purpose violate FCRA 604 ( a ) ( 2 ). Any inquiry not tied to a firm offer of credit or an account I expressly applied for must be deleted.

Further, I invoke my rights under the Uniform Commercial Code ( UCC 3-501, UCC 3-505 ) regarding proper presentment and proof of claim, none of which have been satisfied by furnishers. Without full validation, any continued reporting constitutes willful noncompliance under FCRA 616617, subjecting both XXXX XXXX XXXX and the furnishers to liability. 
Given the XXXX XX/XX/year> lawsuit against Experian for systemic FCRA violations, I demand XXXX XXXX XXXX conduct a full reinvestigation and provide me with : The ACDV/CCDV form submitted through e-OSCAR, The exact method of verification used, All documents, contracts, billing statements, and payment records received from furnishers, andWritten certification of deletion where items can not be fully verified.If XXXX XXXX XXXXXXXX and XXXX furnishers can not provide this documentation within the XXXX statutory period, I demand the permanent deletion of these negative accounts and inquiries, as required by law.

Company response to consumer: Closed with explanation