Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Subject : Demand for Immediate Removal of All Data, Discharge of Invalidated Debts, and Maximum Legal Remedies for Systemic FCRA, FDCPA, CFPA, and Arbitration Violations Complaint Details : What Happened Experian, Equifax, and TransUnion continue to report unverified and inaccurate derogatory data ( charge-offs, late payments, inquiries ) on my credit file, stemming from accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are tied to fraudulent business funding operations from which I received no value - CFPB XXXX ). Despite my disputes ( e.g., CFPB XXXX, XXXX, XXXX ), FTC Identity Theft Report # XXXX XXXX and updated credit reports, the CRAs have failed to remove this data, conducting sham investigations as highlighted in recent CFPB lawsuits against Experian ( XX/XX/XXXX ) and Equifax ( XX/XX/XXXX XXXX. 

None of these entities have provided a complete chain of title, including forward flow agreements or proof my accounts were included in the sale, despite my demands. The CRAs continued reporting of this unverified data violates FCRA, and the furnishers failure to validate violates FDCPA and CFPA. 

Specific Violations by CRAs ( Experian, Equifax, TransUnion ) FCRA 1681i ( a ) Sham Investigations : The CRAs have conducted inadequate investigations, mirroring the systemic failures outlined in the CFPBs lawsuits against Experian ( XX/XX/XXXX ) for sham investigations and Equifax ( XX/XX/XXXX ) for failing to thoroughly investigate disputes. XXXX ignored my submitted evidence, and Experian reinserted previously deleted inaccuracies, as noted in the CFPBs findings ( XX/XX/XXXX ). 
Case Law : XXXX XXXX Trans Union Corp., XXXX XXXX XXXX ( XXXX XXXX. XXXX ) CRAs must conduct reasonable investigations. 
FCRA 1681c-2 Failure to Block Identity Theft Data : Despite my FTC Identity Theft Report, the CRAs failed to block this data within four days ( XX/XX/XXXX ). 
XXXX XXXX : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) CRAs must block identity theft data. 
FCRA 1681n Willful Noncompliance : The CRAs practices mirror those in the CFPB lawsuits, showing willful noncompliance ( e.g., Equifaxs flawed software code leading to inaccurate scores, Experians faulty intake procedures ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) Willful violations warrant punitive damages. 
Specific Violations by Creditors ( XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) FCRA 1681s-2 ( b ) Failure to Investigate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX failed to verify data reported to CRAs, providing insufficient validation ( e.g., XXXX XX/XX/XXXX, response with statements and a data card ) ( Chat ID : XX/XX/XXXX ). 
Case Law : XXXX XXXX Trans Union CorpXXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Furnishers must verify data [ Web ID : XXXX ]. 
FDCPA 1692g Failure to Validate Debt : These creditors, along with XXXXXXXX XXXX XXXXXXXX, failed to provide original documentation ( wet-ink signatures, IP logs, chain of title ) despite the Assignment and Bill of Sale suggesting XXXX XXXX XXXX the debts ( XX/XX/XXXX ). 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Validation requires original proof. 
Arbitration Breach : Creditors violated their AAA arbitration clauses by outsourcing collection to XXXXXXXX XXXX XXXXXXXX without offering arbitration ( Chat ID : XX/XX/XXXX ). 
Case Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) Arbitration clauses must be honored. 
Specific Violations by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ) FDCPA 1692g Failure to Validate Debt : XXXX ( for XXXX ) and XXXX ( for XXXX ) failed to validate debts with original documentation or a chain of title, despite the Assignment and Bill of Sale ( XX/XX/XXXX ). 
XXXX XXXX : XXXX v. XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ). 
FDCPA 1692e False or Misleading Representations : Their continued collection efforts without validation misrepresent their legal standing. 
Case Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX. XXXX ) XXXX must prove standing. 
Specific Violations by XXXX XXXX XXXX XXXX XXXX. 
FDCPA 1692g Failure to Validate Debt : XXXX, as a potential debt buyer per the Assignment and Bill of Sale, has not provided a chain of title or proof my accounts were included in the sale ( Image ID : XX/XX/XXXX ). 
XXXX XXXX : XXXX v. XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ). 
UCC 3-305 Lack of Standing : Without a chain of title, XXXX lacks standing to collect or report. 
Case Law : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Lack of chain of title defeats collection rights.

Company response to consumer: Closed with explanation