Consumer complaint received 2025-07-05 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:
I am reaching out with the clear and firm intention of demanding that my rights as a consumer be respected under the federal laws that govern credit reporting. 

I have been patient. I have followed proper procedures. I have submitted legitimate disputes through the appropriate channels. Yet the responses I have received from your organization have been insufficient, automated, and lacking the seriousness and diligence the law requires. 

My credit report still contains unverified and inaccurate information linked to the account : XXXX XXXXXXXX XXXX XXXX XXXX  Despite having disputed this account multiple times, it remains on my filenegatively impacting my credit history, score, and financial opportunities. 

The Fair Credit Reporting Act ( FCRA ) is unequivocal : you are legally obligated to ensure the maximum possible accuracy of the information you report. That obligation has not been met. 

What your organization has labeled as an investigation has amounted to nothing more than a generic, automated response, likely through platforms such as e-OSCAR. This approach fails to meet the legal standards of a good-faith investigation, as required under federal law. 

According to : 15 U.S.C. 1681i ( a ) ( 7 ) : Credit bureaus must provide a description of the procedures used to determine the accuracy and completeness of disputed information.

15 U.S.C. 1681s-2 : Furnishers of information must conduct proper investigations when notified of a dispute.

These obligations require actual verification, not automated rubber-stamping.

Furthermore, under the Truth in Lending Act ( TILA ), the original creditor is required to issue clear, accurate billing statements and provide transparent and verifiable documentation. 

In this case, XXXX XXXXXXXX XXXX XXXX  has failed to meet that obligation. Charges I do not recognize were reported. Inaccurate information has been allowed to remain on my credit filedespite multiple disputeswhich has only magnified the harm. 

This situation also constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ). The account has been reported with inaccurate, misleading, and damaging information, and no corrections have been madeeven after formal disputes. This is a direct violation of protections established to guard consumers against deceptive reporting and abusive collection practices. 

Based on the above, I assert my rights under the following federal statutes : 15 U.S.C. 1681a ( 4 ) Protects my right to accurate and truthful credit information.

15 U.S.C. 1681b ( 2 ) Limits who can legally access or use my credit information.

15 U.S.C. 1681i Requires a reasonable and complete investigation when disputed information is received.

15 U.S.C. 609 ( a ) ( 1 ) ( A ) and 609 ( a ) ( 2 ) Provides my right to receive all information in my file and the sources of that information. 

Therefore, I am formally demanding the following : Immediate deletion of the account : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Documented proof, either in physical original or digitally auditable format, that I signed a contract with this creditor authorizing them to report this account to the credit bureaus. 

If you can not provide such original signed documentation, you have no legal basis to continue reporting this account. 

The risk of fraudulent accounts being submitted by third parties is realand as a credit reporting agency, it is your legal responsibility to prevent this type of reporting abuse. 

I am not asking for a favorI am demanding that the law be followed. 

If this matter is not resolved promptly and in compliance with federal law, I will exercise my right to pursue legal action. There is no room for further excuses or automated denials. 

As a citizen, I know my rights. 
As a consumer, I expect them to be upheld.

Company response to consumer: Closed with explanation