Consumer complaint received 2025-11-26 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:
I am filing this complaint because Equifax has failed to verify or validate ANY of the accounts I disputed, even though I submitted XXXX rounds of disputes, directly to Equifax, over multiple months. 
My dispute timeline is as follows : XX/XX/XXXX First round of disputes XX/XX/XXXX Second round XX/XX/XXXX Third round XX/XX/XXXX Fourth round Despite these repeated disputes, Equifax has not provided a single piece of documentation to support the accuracy of : Any late payment Any charge-off Any date of first delinquency Any account status Any itemized accounting Any balance Any chain of assignment Equifax continues to verify these accounts without producing ANY proof, documentation, or XXXX data XXXX 
Equifax is reporting unverified and inaccurate information while ignoring my lawful disputes. 
I am not working with a third party, and Equifaxs claim or assumption that I am is false and used as a stall tactic not a legal justification to avoid reinvestigation. 
EQUIFAX VIOLATIONS ( Very Detailed ) FCRA XXXX Equifax is violating multiple sections of the FCRA : XXXX. FCRA XXXX ( a ) ( XXXX ) ( A ) Failure to conduct a reasonable reinvestigation. 
XXXX. FCRA XXXX ( a ) ( XXXX ) ( B ) Failure to provide the information relied on in determining that disputed items were verified. 
XXXX. FCRA XXXX ( A ) Failure to maintain maximum possible accuracy. 
XXXX. FCRA XXXX ( b ) XXXX to report unverified information received from furnishers. 
XXXX. FCRA XXXX ( a ) ( XXXX ) Failure to provide all information in my file related to each disputed item. 
XXXX. FCRA XXXX ( a ) ( XXXX ) Improper reinsertion of unverified or disputed information. 

I am also fully aware that : Equifax has been involved in major data breaches exposing consumer information Equifax has been sued repeatedly for inaccurate reporting Equifax has been cited by the CFPB for failing to properly reinvestigate disputes Equifax has a documented history of systematic XXXX noncompliance Equifax has XXXX the subject of class actions for failure to provide method of verification What I am experiencing is completely consistent with Equifaxs known investigation failures. 

Under XXXX and FCRA rules, Equifax must XXXX actual documentation from furnishers before verifying any disputed information. 
Equifax has provided NONE of the required documentation. 
For Late Payments ( XXXX & XXXX ) Equifax must have : Contract outlining payment terms Payment history with due dates and posted dates Documentation proving the payment was actually late XXXX XXXX payment rating codes Accurate historical status codes Equifax produced XXXX of this. 
For Charge-Offs ( XXXX, XXXX XXXX  XXXX XXXX  ) To verify a charge-off, Equifax must have : XXXX signed contract Date of first delinquency ( DOFD ) Full itemized accounting Accurate charge-off date Contract terms showing default conditions Proof the furnisher legally owns and can report the debt Correct XXXX code XXXX with proper XXXX and compliance codes Equifax has none of this documentation. 
Duplicate Reporting ( XXXX  ) Equifax is also reporting XXXX twice, which is : Duplicate reporting Misrepresentation of account count Artificial inflation of derogatory impact FCRA XXXX ( a ) accuracy violation XXXX violation XXXX account uniqueness fields FDCPA-Related Furnishing Failures Even though Equifax is a CRA, the XXXX and validation XXXX tied to FDCPA standards still apply to the data they furnish. 
Equifax is participating in Misrepresentation of character/status, violating the spirit of FDCPA XXXX XXXX unverified debts, violating FDCPA XXXX ( XXXX ) XXXX to furnish derogatory data without validation, violating XXXX ( b ) standards These accounts remain unverified and still reported. 

XXXX insinuation that I XXXX be working with a third party is both false and irrelevant. 
It does not excuse Equifax from performing a real reinvestigation. 
I know my rights. 
I know how to file CFPB complaints. 
I know what validation is legally required. 
I am disputing these accounts on my own.

Company response to consumer: Closed with non-monetary relief