Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Letter 1 : To TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date of Birth : XXXX Social Security Number : XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX, PA XXXX Date : XX/XX/XXXX Subject : Formal Dispute and Demand for Deletion of Inaccurate and Unverifiable Information To Whom It May Concern : This letter is a formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding numerous inaccurate, unverified, and damaging items on my credit report. Your report contains 10 derogatory accounts, many of which are collections or charge-offs with clear violations. I demand a complete investigation, and if you can not provide absolute verification of these items, you must delete them immediately. 
Disputed Items XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is a derogatory charge-off. The remark " Account information disputed by consumer, meets FCRA requirements '' is an admission of a prior dispute. Your failure to resolve this definitively is a violation of the 30-day time limit under FCRA Section 611. This item must be deleted. 
XXXX XXXXXXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You are reporting a derogatory " Late 90 Days '' status, while Experian reports the same account as " Current ''. This is a material contradiction and a clear violation of the FCRA 's accuracy requirement. You must correct this to show a positive history or delete the entire tradeline. 
XXXX XXXXXXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a derogatory charge-off. Your file notes " Dispute resolved ; reported by grantor ''. I attest this was never resolved to my satisfaction. I demand full validation of the {$8100.00} balance or immediate deletion. 
XXXX XXXX XXXXXXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This charge-off account explicitly states, " Dispute resolved ; customer disagrees ''. This is a direct admission of your failure to properly conclude an investigation under FCRA Section 611. Delete this unverified item immediately. 
XXXX XXXXXXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is listed as a " XXXX ''. I dispute the accuracy of this severe derogatory status and demand you provide strict proof and verification. 
* OAG CHILD SU, Account # XXXXXXXX XXXX XXXX XXXX  You report this with a " Late 120 Days '' status. This is inconsistent with other reporting and is inaccurate. I demand verification of this delinquency. 
XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This collection account from XXXX XXXX XXXX XXXX is unvalidated. Furthermore, you list it as " Open '' while Experian lists it as " Closed '', a direct violation of FCRA accuracy standards. Delete this item. 
XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX  This is a collection account for an alleged debt to XXXX XXXX I have not received validation as required by the FDCPA. You must delete this unverified collection. 
XXXX XXXX, Account # XXXX : * This collection account states " Account information disputed by consumer ''. As this remains unresolved past the 30-day limit, it must be deleted. Additionally, your " Open '' status contradicts Experian 's " Closed '' status, another FCRA violation. 
XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX This collection account also contains the remark " Account information disputed by consumer ''. Your failure to properly resolve this is a violation of my rights. Delete it. 
XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a collection account for an alleged debt to XXXX XXXX XXXX XXXX and includes a dispute notation. As it is unvalidated and unresolved, you must delete it immediately. 
Pursuant to the FCRA, complete your investigation within 30 days. 
Sincerely, XXXX XXXX XXXX XXXX XXXX : To Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date of Birth : XXXX Social Security Number : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Date : XX/XX/XXXX Subject : Formal Dispute and Demand for Investigation and Validation of Accounts To Whom It May Concern : I am writing to exercise my rights under the Fair Credit Reporting Act ( FCRA ) and formally dispute the 8 derogatory items and other inaccurate information on my credit report. I demand a full investigation into these entries. Any item that you can not prove is 100 % accurate and verifiable must be deleted immediately. 
Disputed Items : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is a derogatory charge-off. The remark " Customer disputed account - reported by subscriber '' confirms this is a contested item. Under FCRA Section 611, you must resolve such disputes within 30 days. Your failure to do so requires the immediate deletion of this item. 
XXXX XXXX XXXXXXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is listed as a charge-off and repossession. The remark " now resolved - reported by subscriber '' is false ; the issue was never resolved. I demand you re-investigate this severe derogatory mark or delete it. 
* XXXX XXXX, Account # XXXX * * * * * * * * : * * The remark " Subscriber reports dispute resolved - consumer disagrees '' is a direct admission that this dispute is not resolved. Your continued reporting of this unverified charge-off is a violation of the FCRA. Delete this account.

* OAG CHILD SU, Account # XXXX XXXX XXXX XXXX  You report this account as " Late 180 Days ''. This is inaccurate. I demand verification of this delinquency status. 
XXXX XXXX XXXXXXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a collection account that has not been validated under the FDCPA. The remark " Customer disputed account '' proves you have failed to resolve this within the statutory 30-day period. It must be deleted. 
XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This collection account is unvalidated. Your reporting of its status as " Closed '' is in direct contradiction to TransUnion 's " Open '' status, which is a material violation of the FCRA 's mandate for accuracy. Delete this item. 
* XXXX, Account # XXXXXXXX XXXX XXXX This collection account for XXXX XXXX is unvalidated. The " Customer disputed account '' remark confirms your failure to resolve this matter within the 30 days required by law. Delete it immediately. 
* XXXX XXXX, Account # {$320000.00} XXXX XXXX XXXX XXXX XXXX  This collection for a XXXX XXXXXXXX debt is unvalidated. The remark " Customer disputed account '' again proves this is an unresolved issue that you are required by law to delete. 
* Inquiry : The inquiry from XXXX XXXXXXXX XXXX dated XX/XX/XXXX was not authorized by me. This was not a permissible purpose and must be removed. 
I expect you to complete this investigation within 30 days and send written confirmation of your findings. 
Sincerely, XXXX XXXX XXXX XXXX XXXX : To Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date of Birth : XXXX Social Security Number : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX, GA XXXX Date : XX/XX/XXXX Subject : NOTICE OF FCRA VIOLATION - Failure to Investigate and Unlawful Suppression of Credit File To Whom It May Concern : I am formally notifying you that Equifax is in violation of the Fair Credit Reporting Act. My credit report, dated XX/XX/XXXX, states that my file contains XXXX accounts and my score " can't be calculated ''. This effective closing or suppression of my profile without my guidance or consent is an unacceptable and unlawful practice. 
Last month, I submitted disputes for several inaccurate items on my Equifax report. By now making my file inaccessible, you are engaging in stall tactics to evade your legal obligation to conduct a timely investigation as mandated by FCRA Section 611, which requires you to complete any investigation within 30 days of receipt. Your failure to do so is a clear violation of federal law. 
I do not appreciate you closing my profile without my guidance. This action is causing me direct harm.

DEMAND FOR IMMEDIATE ACTION : * Deletion of Disputed Items : Due to your failure to investigate and resolve my previous disputes within the 30-day statutory period, I demand the immediate and permanent deletion of all items I disputed last month. Your stalling has forfeited your right to report them.

* Reinstatement of Profile : You are to immediately reinstate my credit profile and make it accessible.

* Penalties for Non-Compliance : Be advised that under FCRA 616, willful non-compliance carries significant penalties, including statutory and punitive damages. Your current actions may be construed as willful non-compliance.

To prevent any further delays or claims of being unable to verify my identity, I have attached copies of my Drivers License, Social Security Card, and a recent utility bill as proof of address.

Contact me in writing once my profile is fully accessible and confirm that the previously disputed items have been deleted as demanded.

I expect your immediate compliance. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation