Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX  Accounts Being Disputed XXXX XXXX XXXX XXXX XXXX XXXX Savor Account : XXXX / XXXX Reported Balance : {$270.00} Date Assigned : XX/XX/XXXX Appears on : XXXX, Equifax, TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX Reported Balance : {$1400.00} Date Assigned : XX/XX/XXXX Appears on : Equifax XXXX TransUnion Already marked as consumer disputes this account BASIS OF DISPUTE I dispute all reported information regarding these accounts on the grounds that they are inaccurate, incomplete, and can not be verified. Specifically : The accounts contain inconsistent, incomplete, and unverified data across the bureaus. 

Details differ among XXXX, TransUnion, and Equifax a clear sign of unreliable furnishing and/or faulty CRA reinvestigation procedures. 

XXXX XXXX has not provided proof of ownership of the debts. 

Debt buyers must validate under FCRA + FDCPA. No documentation proving chain of title, original account details, or amount validation has been provided. 

Reporting violates required accuracy standards under FCRA 1681e ( b ) The same account displays different account numbers, original creditor names, and status descriptions across bureaus. 

These inaccuracies match failures described in the XXXX XXXX federal lawsuit against XXXX  Your reinvestigation processes documented in the lawsuit disproportionately cause : Misapplied or incorrect dispute codes Failure to forward all relevant information XXXX reliance on debt collector responses Illogical or inconsistent tradeline updates Failure to give consumers proper results after reinvestigations Failure to reasonably reinvestigate collection accounts All of these failures directly pertain to my disputed XXXX XXXX  accounts. 

I specifically reference the CFPB complaint ( uploaded in this dispute package ), which states XXXX  : fails to forward relevant consumer documentation uncritically accepts furnisher responses even when illogical or inconsistent fails to conduct a reasonable reinvestigation into disputed collection accounts fails to ensure maximum possible accuracy in consumer files These issues mirror what has happened with my XXXX  accounts. 

WHAT I AM REQUESTING Under FCRA 1681i ( a ), I request : XXXX. A FULL AND PROPER REINVESTIGATION Your past verification responses are inadequate and violate federal law. 

XXXX. The complete METHOD OF VERIFICATION Provide : The name, address, and phone number of the person at XXXX XXXX  who verified the information The system you used ( e-OSCAR, ACDV, etc. ) All dispute codes transmitted Copies of all documents furnished by XXXX during your investigation XXXX. DELETION OF THE XXXX ACCOUNTS If you can not verify ALL information with original, legally admissible documentation, the accounts must be deleted immediately under : FCRA 1681i ( a ) ( 5 ) ( A ) ( requires deletion of unverified data ) FCRA 1681e ( b ) ( failure to ensure accuracy ) 4. Removal of any reinsertion without proper certification If these accounts were ever removed and reinserted, you must provide : Certification from furnisher Notice of reinsertion Failure to do so violates FCRA 1681i ( a ) ( 5 ) ( B ).

DOCUMENTS ATTACHED CFPB Complaint Against Experian XXXX XXXX XXXX XXXXXXXX ) Copy of my credit report showing disputed XXXX  accounts Identification documents as required CONCLUSION Please complete this reinvestigation within 30 days, update my credit file, and mail me the required results under FCRA 1681i ( a ) ( 6 ). 

Failure to comply will result in : A formal complaint to the CFPB and FTC Possible legal action for willful FCRA violations Demand for statutory damages, punitive damages, and attorneys fees I expect full compliance with federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief