Consumer complaint received 2025-08-20 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX [ Date ] Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX Subject : Formal Complaint Willful Inaccurate Reporting and Unverified Debt by XXXX XXXX XXXX To Whom It May Concern, I am submitting this formal complaint regarding XXXX XXXX XXXX, which is reporting unverified and inaccurate debt information on my credit reports with XXXX  XXXX and Equifax Information Services LLC. 

Details of the Disputed Reporting : Company : XXXX XXXX XXXX Alleged Balances : {$740.00} and {$960.00} Account Numbers : Not provided Issue : XXXX has never validated these alleged debts, never provided proof of ownership, and never sent me any disclosures or obtained my authorization to report these balances on my credit report. 

Legal Violations : The continued reporting of these unverified debts constitutes willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., including : FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy.

FCRA 611 [ 15 U.S.C. 1681i ] Requires reasonable reinvestigation of disputed information.

FCRA 623 ( a ) ( 1 ) & ( 2 ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( 2 ) ] Prohibits furnishers from reporting inaccurate information and obligates them to correct inaccuracies once discovered.

FCRA 1681n & 1681o Provides for statutory and actual damages for willful or negligent violations. 

Problem Statement : XXXX XXXX XXXX is reporting two unverified balances totaling {$1700.00} with no account numbers, without my authorization, and without any documentation to prove that I am legally obligated to pay. This inaccurate reporting misrepresents my creditworthiness and may lead to denial of credit. Despite my prior disputes and efforts to obtain validation, XXXX and the credit bureaus continue to report false information. 

Requested Actions : Immediate investigation of the disputed debts. 

Correction or complete deletion of the XXXX reporting from my XXXX  and Equifax credit reports. 

Written confirmation that all inaccurate information has been corrected or removed. 

Notification to all creditors who accessed my reports that the previously reported XXXX information was inaccurate, if legally required. 

Notice of Potential Legal Consequences : Failure to correct these inaccuracies promptly XXXX result in formal legal action for willful violation of the FCRA, including claims for statutory damages, actual damages, and attorney fees. XXXX XXXX XXXX and the reporting bureaus are hereby put on notice that continued reporting of unverified or inaccurate information will be treated as a willful violation of federal law. 

I am requesting urgent action to prevent further harm to my credit profile. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief