Consumer complaint received 2026-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
This response is legally insufficient and appears to violate the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681e ( b ) and 1681i. Equifax provided nothing more than a conclusory statement claiming the account was verified without producing any competent evidence showing how the investigation was conducted, what documents were reviewed, what method of verification was used, or how the alleged furnisher substantiated the reporting. Simply repeating that the account belongs to me is not evidence of compliance with federal law. Your response fails to address the core dispute issues and instead relies on boilerplate language. I specifically disputed the accuracy and completeness of the reporting. Under the FCRA, Equifax is required to conduct a reasonable reinvestigation, not merely parrot information supplied by a debt buyer or automated e-Oscar responses. XXXX XXXX is a debt purchaser, not the original creditor. Therefore, Equifax must be able to demonstrate : The complete chain of title proving XXXX legally owns the alleged account A signed contract or application bearing my signature Account-level documentation establishing liability The date of first delinquency and charge-off history Proof the balance, payment history, and reporting metrics are accurate The exact documents relied upon during the reinvestigation Equifax has failed to provide any of this evidence. Additionally, your response admits that fields have been modified, which directly undermines your claim that the account was previously reported accurately. If data required modification after my dispute, then inaccurate or incomplete information existed on my file at the time of reporting. I am formally demanding the following : 1. A complete description of the procedure used in your reinvestigation pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), including : The name, address, phone number, and department of every party contacted The method of verification used Whether the investigation was automated or manually reviewed All documents reviewed during the investigation 2. Copies of any documentation supplied by XXXX XXXX used to verify this account. XXXX. Identification of every field modified and the reason for each modification. 4. Immediate deletion of the tradeline if Equifax can not produce competent documentary evidence supporting every aspect of the reporting. Be advised that courts have repeatedly held that superficial or automated investigations may constitute willful or negligent noncompliance under the FCRA. Continued reporting of inaccurate, incomplete, or unverified information after notice of dispute may expose Equifax and the furnisher to liability for actual damages, statutory damages, punitive damages, attorneys fees, and costs. Furthermore, if Equifax relied solely on Automated Consumer Dispute Verification ( ACDV ) processes without reviewing underlying documentation, that investigation may be inherently unreasonable under federal law. This letter also serves as notice to preserve all records related to this dispute, including : ACDV transmissions Internal investigation notes Audit trails XXXX XXXX with XXXX XXXX System logs Copies of all records reviewed Destruction or alteration of evidence after receipt of this notice may constitute spoliation. If this matter is not corrected immediately, I am prepared to escalate through : Additional CFPB complaints Complaints with the FTC and state attorney general Arbitration and/or civil litigation for FCRA violations Discovery demands compelling production of the underlying verification records I demand a substantive response supported by documentary evidence not generic conclusions.

Company response to consumer: Closed with explanation