Consumer complaint received 2025-05-01 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:
This is my fourth formal dispute regarding inaccurate, unverifiable, and outdated information appearing on my credit report. Despite my repeated efforts to resolve these discrepancies, you have failed to comply with your legal obligations under the Fair Credit Reporting Act ( FCRA ) and Metro 2 data reporting standards.

Under FCRA 1681i, credit bureaus are required to conduct a reasonable reinvestigation of disputed information. Your continued reporting of these unverifiable items without providing adequate proof or methodology of verification constitutes a willful violation of federal law. Additionally, per FCRA 1681e ( b ), you are obligated to maintain the maximum possible accuracy of consumer credit data, which you have clearly failed to do. 
Accounts with Inaccurate Late Payment Reporting : XXXX # XXXX Instruction : Provide full payment history showing exact dates of delinquency, or delete if unverifiable. 
XXXX # XXXX XXXX XXXX XXXX XXXX Instruction : Provide proof that the payment was late, including billing statements and payment receipts, or remove the late mark. 
XXXX XXXX # XXXX Instruction : Explain and correct the inconsistent date of delinquency across bureaus, or delete if inconsistencies remain. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Instruction : Provide a complete payment timeline or delete due to incomplete reporting. 
DEPTEDXXXX # XXXX Instruction : Match this record against original lender data and provide supporting documentation or delete immediately. 
XXXX  # XXXX Instruction : Investigate and provide supporting documents or delete due to inaccurate reporting. 
XXXX # XXXX Instruction : Conduct a full reinvestigation and provide detailed findings. If unverifiable, delete. 
Accounts Improperly Listed as Charge-Offs : XXXX  # XXXX Instruction : Provide the original creditor agreement, charge-off date, and full payment history. 
Delete if not available. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Instruction : Reconcile the balance amounts across bureaus and provide documentation, or delete if inconsistent. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Instruction : Verify and produce original records from the creditor. If not available, delete the account. 
XXXX  # XXXX Instruction : Provide charge-off details, including balance history, or delete for inaccuracy. 
XXXX # XXXX Instruction : Supply complete payment and charge-off documentation, or delete due to missing data. 
XXXX # XXXXXXXX XXXX XXXX XXXX XXXX Instruction : Explain the inconsistency in charge-off date and correct or delete. 
XXXX XXXX  # XXXX Instruction : Provide documentation signed by the original creditor confirming this debt, or delete. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Instruction : Provide signed contract and evidence of ownership, or delete due to unverifiable ownership. 
XXXX # XXXX Instruction : Supply missing charge-off documents or remove the account. 
XXXX XXXX XXXX # XXXX Instruction : Validate account details and provide documentation or delete. 
XXXX XXXX XXXX  # XXXX Instruction : Submit proof of debt, balance breakdown, and dates, or remove. 
XXXX # XXXX Instruction : Provide legal documentation proving ownership and charge-off, or delete if not verified. 
XXXX # XXXX Instruction : Correct the contradictions in data with the original lenders report or delete. 
XXXX # XXXX Instruction : Provide signed consumer documentation and charge-off details, or delete. 
XXXX XXXX # XXXX Instruction : Reconcile charge-off date with all credit reports and provide evidence or delete. 
XXXX XXXXXXXX # XXXX Instruction : Investigate the inaccuracy and correct it, or delete if unverified. 
XXXX # XXXX Instruction : Provide complete payment and charge-off history, or remove this account. 
These accounts contain discrepancies in charge-off dates, balances, and ownership. 
No supporting documentation has been provided after prior disputes. 
You are required to obtain and present verifiable proof from the original creditor, not a data furnisher. 
Unverified or Misrepresented Collection Accounts : XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  Instruction : Provide proof of debt, balance breakdown, and ownership chain. Delete if inconsistent. 
XXXX XXXX XXXX # XXXX Instruction : Show assignment from original creditor and signed contract. Delete if ownership can not be proven. 
XXXX XXXX XXXX # XXXX Instruction : Provide accurate collection start date and validation letter. Delete if mismatched. 
XXXX # XXXX Instruction : This is past the statute of limitations. Provide proof of enforceability or remove. 
XXXX XXXX ( XXXX XXXX XXXX ) # XXXX Instruction : Provide accurate balance and original debt breakdown. Delete if inconsistent. 
XXXX ( XXXX ) # XXXX Instruction : Provide a signed agreement or authorization to collect. If none, delete. 
XXXX XXXX ( XXXX XXXX  ) # XXXX Instruction : Submit full validation letter and documents proving collection rights. Remove if not provided. 
XXXX XXXX ( XXXX XXXX XXXX  ) # XXXX Instruction : Show proof of collection rights and all account history. If no documentation, delete immediately. 
o These collection accounts are inconsistent across bureaus and lack chain-of-title proof, creditor assignment records, or consumer agreements. 
o You are in violation of FCRA 1681i and 1681s-2 ( b ) for continuing to report unverifiable data.

Unauthorized Inquiries ( FCRA 1681b Violation ) : The following inquiries were made without my consent or permissible purpose and must be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o You are required to provide proof of consumer authorization under FCRA 1681b.

o If you can not produce written authorization, remove these inquiries immediately.

You Are in Ongoing Violation of the Following : FCRA 1681e ( b ) Failure to ensure maximum possible accuracy FCRA 1681i ( a ) ( 1 ) ( A ) Failure to conduct a lawful reinvestigation FCRA 1681s-2 ( b ) Reporting of incomplete/inaccurate information Metro 2 Reporting Standards Failure to provide full/accurate data fields DEMAND FOR ACTION FINAL WARNING : You are hereby given one final opportunity to correct the ongoing noncompliance : 1. Delete all unverifiable, inaccurate, and outdated accounts immediately.

2. Remove all unauthorized inquiries without permissible purpose.

3. Provide detailed documentation and method of verification for each item per FCRA 611 ( a ) ( 7 ).

4. Send an updated copy of my credit report reflecting the deletions. 
Failure to fully resolve these matters within 30 calendar days will leave me no choice but to escalate this dispute by : Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief