Consumer complaint received 2025-09-27 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: MO

Complaint narrative:
I am writing to formally dispute the accuracy, completeness, and verifiability of multiple tradelines appearing on my credit reports maintained by XXXX, Equifax, and XXXX  ( collectively, the XXXX XXXX XXXX XXXX or XXXX ). 

This serves as a formal request under FCRA 611 & 623, Regulation V ( 12 C.F.R. 1022.43 ), and UCC 9-611 & 9-613 for reinvestigation, full documentary validation, or immediate deletion of the disputed accounts.

XXXX. Accounts in Dispute The following accounts are inaccurate, unverifiable, or reported without proper documentation : XXXXXXXX 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 XXXXXXXX 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 XXXX XXXX XXXX. Violations of the FCRA & Regulation V Despite my prior dispute filed XX/XX/XXXX, the XXXX have : Failed to forward consumer-provided documentation to furnishers ( 611 ( a ) ( 2 ) ).

Failed to delete unverifiable items within 15 days ( 611 ( a ) ( 5 ) ( A ) ). 

Failed to notify me of reinvestigation results and provide updated reports ( 611 ( a ) ( 6 ) ).

Failed to disclose the method of verification and sources relied upon ( 609 / 15 U.S.C. 1681g ).

Failed to ensure maximum possible accuracy in light of industry-wide breaches ( 607 ( b ) / 15 U.S.C. 1681e ( b ) ).

IV. UCC Compliance Failures Under UCC 9-611, a secured party must send authenticated notification of disposition before collecting or enforcing a debt.

Under UCC 9-613, such notice must include the secured partys name, debtors name, description of collateral, method of disposition, and time/place.

No such notices have been provided for the above accounts. Therefore, reporting and enforcement efforts are legally deficient. 

V. Data Breaches Undermining Reliability A. Credit Reporting Agency Breaches XXXX  XXXX ( XX/XX/XXXX disclosed XXXX XXXX, XXXX  ) : XXXX XXXX consumers SSNs, DOBs, and contact data exposed through a third-party application. 

Equifax Breach ( XXXX ) : XXXX XXXX Americans SSNs, DOBs, and financial information compromised. 

XXXX  Breaches ( XXXXXXXX XXXX XXXX  ) : Multiple exposures of consumer PII tied to XXXX  databases. 

B. Bank and Credit Card Breaches In addition to XXXX failures, major banks and credit furnishers have also suffered breaches compromising consumer accounts, including : XXXX XXXX XXXX ( XXXX and subsequent incidents ) exposed millions of consumer banking and credit records. 

XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX subject to repeated cyberattacks and data theft incidents. 

XXXX  XXXX ( XXXX ) : XXXX XXXX consumer accounts exposed, including Social Security numbers and linked credit data. 

XXXX, XXXX, XXXX, XXXX, and XXXX all reported breaches affecting cardholder data across multiple years. 

C. Impact on Verification Because of these industry-wide breaches, SSNs, DOBs, phone numbers, and addresses are no longer reliable identifiers of account ownership. Under the FCRA, mere database matching is not sufficient verification.

Only documentary proof original signed contracts, applications, authenticated chain-of-title evidence, and verified accounting records can serve as lawful verification. 

VI. Demand for Verification and Documentation How did you verify these accounts as accurate? I demand that you provide within 15 days : The method of verification used for each account.

The name, title, department, and contact information of each individual you communicated with. 

The date, time, and content of each verification communication. 

Copies of all supporting documents used to claim the accounts are accurate. 

Additionally, provide : XXXX ( Account XXXX ) records. 

Securitization records, including Pooling & Servicing Agreements ( PSA ), Trust documentation, and evidence of inclusion in any securitization pool.

Debt cancellation evidence, including IRS Form 1099-C, if applicable.

Full double-entry accounting records, including ledgers, debit/credit entries, and reconciliations. 

Complete account history : statements, payment records, charge-offs, transfers, and all activity. 

Chain-of-title/assignment records showing lawful ownership of the alleged debt.

UCC 9-611 and 9-613 notices ( if applicable ).

If you can not provide this documentation within 15 days, you must immediately delete these accounts from my credit reports. 

VII. Required Action To comply with federal law, I demand that XXXX, Equifax, and XXXX  : Conduct a lawful, good-faith reinvestigation of each disputed account.

Provide full documentary proof of account ownership and legal right to report. 

Permanently delete any unverifiable account within 15 days. 

Send written confirmation of deletions and updated reports. 

Fully disclose the method of verification and all sources relied upon. 

VIII. Conclusion Because of your repeated statutory violations, the XXXX XXXX, XXXX XXXX  breach, and prior industry-wide breaches by both credit reporting agencies and banks/credit furnishers, the accounts listed above are unreliable, unverifiable, and unlawful to report. 

I demand their immediate deletion and issuance of corrected reports. Failure to comply within 15 days will result in regulatory complaints with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and potential private legal action for willful noncompliance.

Company response to consumer: Closed with non-monetary relief