Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am disputing the accuracy and continued reporting of XXXX  account number : XXXX on my credit report ( see XXXX Equifax attachment ), as provided under the Fair Credit Reporting Act ( XXXX  ), XXXX U.S.C. XXXX et seq. I previously disputed this account with Equifax, but it appears that Equifax did not conduct a proper/thorough investigation because today ( XX/XX/XXXX ), Equifax informed XXXX that the information I disputed has been verified as accurate. 
Equifax did not provide me with any proof that this debt belongs to me ; the representative simply told me, the company said the debt belongs to you. 

In accordance with XXXX XXXX, Equifax is required to provide me with the requested documentation within XXXX calendar days of receiving this notice. Please be advised that merely asserting the information is accurate is not sufficient. Without clear proof of compliance with the relevant provisions of the FCRA ( specifically XXXX U.S. Code XXXX ( XXXX ) ( A ) ( i ), XXXX, and XXXX ( b ) ), the information reported to the credit bureaus is invalid, and there is no basis for it to remain on my credit report. Please note, I am aware of the lawsuits filed against " certain credit reporting agencies '' by the CFPB, as a result, I am requesting a proper investigation. 

Account Details : Creditor Name : XXXX XXXX / XXXX Bank Account Number : Ending in XXXX Reported Balance : {$160.00} Account Status : Collection Date Opened : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Reported by : XXXX XXXX Account This account is being reported inaccurately and contains inconsistencies that require immediate attention. The date of first delinquency predates the account opening date, which is not logically or legally permissible under FCRA standards. This raises serious concerns about the accuracy, completeness, and legitimacy of the reporting. 
Additionally, under the Fair Debt Collection Practices Act ( XXXX  ), I previously requested full validation/verification of this alleged debt, including but not limited to : Proof of ownership and right to collect in the state of Illinois A copy of the original signed agreement that establishes my liability. 
A full payment history from the original creditor to validate the balance. 
Clarification on the statute of limitations for this debt and whether it is time-barred. 
Until full validation is provided, and this information is verified as accurate, it must not be reported to the credit bureaus. Continuing to report unverified or inaccurate information is a violation of both the FCRA and FDCPA. 
In addition, this account was disputed with another CRA, and was removed ( see XXXX  Removed attachment ). I am also requesting that Equifax provide the documentation or evidence that justifies your continued reporting of this collection account. Any item that is reported on my credit file must be accurate, verifiable, and complete. 
As a result, I am requesting the following : XXXX. A copy of the original documentation provided by the furnisher of the information ; XXXX. The date the information was last verified ; and XXXX. A description of your procedures used to verify the accuracy of the information. 
Under the FCRA, credit reporting agencies and furnishers of information are required to ensure the accuracy and integrity of the information they report. Any inaccurate or unverifiable data must be corrected or removed from my credit report.

Company response to consumer: Closed with explanation