Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Subject : Formal Complaint Inaccurate Credit Reporting and Failure to Validate Debts To Whom It May Concern, I am filing this complaint against XXXX, Equifax, XXXX, and multiple creditors/debt collectors for violating my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other applicable consumer protection laws. 

Background of Dispute I disputed multiple inaccurate debts with XXXX, Equifax, and XXXX. Each bureau responded that the debts had been verified as accurate. However, only XXXX out of the XXXX disputed creditors actually contacted me by mail, sending billing statements. The majority of creditors provided no response whatsoever within the required XXXX period, yet the accounts continue to appear on my reports as verified. 

Specific Violations & Discrepancies XXXX XXXX XXXX Reporting an account with XXXX different account numbers : # XXXX on XXXX bureau and # XXXX on another. 

No debt validation letter or proof of ownership provided. 

No signed contract or authorization to collect has ever been shown. 

XXXX XXXX XXXX Reporting with XXXX different account numbers : # XXXX on XXXX  and # XXXX on Equifax. 

Same balance reported under different accounts, which is contradictory and unverified. 

No supporting documentation or validation received. 

XXXX XXXX XXXX XXXX medical accounts appear on my credit report despite XXXX confirming to me directly that they do not report these accounts. 

All XXXX accounts were already paid in full by my insurance company. 

XXXX, Equifax, and XXXX  continue reporting these items inaccurately. 

XXXX XXXX Reporting different account numbers across bureaus : # XXXX on XXXX  and # XXXX on Equifax. 

No validation letter, no signed contract, and no confirmation of debt ownership provided. 

Additional Creditor Failures XXXX, XXXX XXXX, and XXXX  XXXX In addition, XXXX, XXXX XXXX, and XXXX  XXXX have charged off accounts in my name but failed to provide the legally required information : Debt Validation : None of these creditors have provided signed contracts or proof that the debts belong to me. 

Court Proceedings : I was not notified of any court dates, filings, or judgments related to these debts, including a lawsuit XXXX claims was filed in XXXX XXXX, Arizona. 

IRS Form XXXX : No creditor provided a XXXX for canceled/charged-off debts, despite being legally required to do so under XXXX U.S.C. XXXX. 

Sale/Transfer of Debt : I was never notified when these accounts were sold or transferred to third-party collectors. 

Incorrect Address : My mailing address changed over XXXX years ago, so it is impossible that I received any correspondence they claim to have mailed. 

Legal Violations The conduct of the credit bureaus and creditors constitutes the following violations : FCRA XXXX ( XXXX U.S.C. XXXX ) : Failure to reasonably investigate disputed information. 

FCRA XXXX ( b ) ( XXXX U.S.C. XXXX ( b ) ) : Failure to maintain accurate and up-to-date records. 

FDCPA XXXX ( XXXX U.S.C. XXXX ) : Failure to provide debt validation upon request. 

IRS Reporting Laws : Failure to issue XXXX forms for charged-off debts. 

Requested Relief

Company response to consumer: Closed with explanation