Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Complaint Regarding Unlawful Debt Collection Practices by XXXXXXXX XXXX Dear CFPB, I am writing to formally file a complaint against XXXXXXXX XXXX XXXX Experian, Equifax, Transunion ) for their continued harassment and unlawful debt collection practices despite having resolved the matter through legal channels. To provide a brief overview, I was previously involved in a legal dispute with XXXX, which resulted in a court case. I have since settled this case and issued a full and final payment, clearly marked as " final payment to resolve case. '' This payment has been cashed by XXXX, indicating that the matter is resolved. However, despite the completion of this process, I continue to receive threatening letters from XXXX, demanding additional payment and failing to acknowledge that the case has been settled in court. 
This conduct appears to violate the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from engaging in unfair, deceptive, or harassing behavior. Additionally, I have attempted to provide the credit bureaus with my legal documentation demonstrating the resolution of this matter. Unfortunately, they have refused to accept my documentation and continue to report the negative information on my credit report. This failure to update my credit file may be a violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure the accuracy of the information they report. I believe that XXXXXXXX XXXX actions, combined with the credit bureaus ' refusal to update my records, are not only unethical but also illegal, as they are attempting to collect a debt that has already been settled and are failing to report accurate information. 
I kindly request that the CFPB investigate this matter and take appropriate action against XXXX XXXX XXXX and the credit bureaus to ensure compliance with federal laws regarding debt collection and credit reporting. 

Also has failed to validate the debt in accordance with FDCPA 809 ( b ) and continues to report inaccurate or unverifiable information in violation of the Fair Credit Reporting Act, 611 ( a ) and FCRA 623 ( a ) ( 1 ) ( A ). Despite my timely and certified request for validation under FDCPA 809, the collector either : Sent only generic billing statements or screenshots not tied to my identity. Could not supply an original signed contract or application showing my agreement to this debt, Continued to report the item to the credit bureaus without marking the account as " disputed '', violating FCRA 623 ( a ) ( 3 ). Under FCRA 611 ( a ), consumers have the right to request an investigation into disputed items that are incomplete, inaccurate, or unverifiable. The lack of legal documentation makes this debt unfit for consumer reporting. Continued publication of this collection is harming my creditworthiness and violates my rights. RESOLUTION REQUESTED : I respectfully request that the Consumer Financial Protection Bureau open an investigation into this matter and enforce : Immediate removal of this unvalidated debt from all consumer reporting agencies. : A review of the collectors reporting and compliance procedures, A permanent cease and desist from further reporting this debt under FDCPA 807 ( 8 ) and FCRA 605B if identity fraud or reporting errors are also involved.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX Laws Violated : XXXX XXXX XXXX XXXX XXXX  Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX  - Prohibits debt collectors from using unfair, deceptive, or harassing practices in collecting debts. 
XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) XXXX XXXX - Requires credit reporting agencies to ensure the accuracy of the information they report and to correct any inaccuracies in a timely manner.

Company response to consumer: Closed with non-monetary relief