Consumer complaint received 2025-07-21 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: MI

Complaint narrative:
This filing serves as supplemental evidence in support of my current CFPB complaint XXXX XXXXXXXX and is also submitted as a formal rebuttal to Equifaxs XX/XX/XXXX, response regarding my previous complaint XXXX XXXXXXXX. The underlying issue involves Equifaxs continued reporting of false and unverifiable credit information related to the XXXX Bank account XXXX 

XXXX response claims that this account was verified and supported with additional information from the original source. However, the facts, documentation, and direct statements from the original creditor and alleged servicer all prove this account is inaccurate, unverifiable, and legally unreportable. This dispute summarizes those facts and legal violations that demonstrate Equifax failed in their duty to ensure XXXX possible accuracy. Equifax is knowingly reporting inaccurate information. 

This Supplemental Dispute Proves the Following : 1. The account was charged off and written off in XX/XX/XXXX. FACT is it can not legally continue to report as past due or open. 
2. Multiple letters from XXXXXXXX XXXX  ( dated XX/XX/XXXX and XX/XX/XXXX ) FACT confirms the account was transferred to third-party collection agencies beginning in XXXX and is no longer being serviced by FinWise or OppLoans. 
XXXX. A XX/XX/XXXX, phone call with an XXXX  corporate representative FACT confirmed the account is currently with XXXX, so not in XXXX control. 
4. Equifax continues to report the account monthly through XXXX, FACT re-aging the charge-off status and falsely reflecting ongoing delinquency, in violation of FCRA 623 ( a ) ( 5 ) and Metro 2 guidelines.

5. Equifax failed to provide any documentation, ownership proof, or method of verification, despite claiming the account was verified.

6. The account is reported simultaneously as charged off, past due, written off, and in collections, which is legally impossible.

7. Equifax ignored direct evidence provided during the original complaint, including XXXX letters and conflicting account status timelines. 
XXXX. XXXX and XXXX have no legal authority to continue furnishing this data, as the account is no longer in their possession and has been removed from their books. 
XXXX. Repeated assignments to multiple collection agencies ( XXXX, XXXX, and again in XXXX ) confirm the account is no longer owned or controlled by the original creditor, disqualifying them from verifying or furnishing data. 
10. Equifaxs actions are causing ongoing harm, as each false update to this tradeline negatively impacts my credit score and my consumer rights. 

1. The account was charged off and written off in XX/XX/XXXX. 
Evidence : XXXXXXXX XXXXXXXX  letters dated XX/XX/XXXX, and XX/XX/XXXX, both state that the account was charged off and written off as of XX/XX/XXXX. 
This confirms that the account was closed and removed from XXXX active receivables. A creditor can not continue to report a written-off account as active or past due after charge-off without re-aging the tradeline which is a direct violation of FCRA 623 ( a ) ( 5 ) and Metro 2.

2. The account was transferred to third-party collections which PROVES the account is no longer in the possession of XXXX or XXXX. 
Evidence : XXXX XXXX  stated the account was assigned to : XXXX on XX/XX/XXXX Another unnamed collection agency on XX/XX/XXXX Returned to XXXX on XX/XX/XXXX These documented transfers confirm the creditor no longer owns the account and can not verify or furnish updated tradeline data, making any verification to Equifax legally false. 

3. A corporate representative from XXXX confirmed the account is no longer serviced by them. 
Evidence : In a XX/XX/XXXX, recorded phone call, an XXXX representative confirmed the account is currently in collections with TrueAccord WHICH means the account is not active in XXXX internal servicing system. 
This confirms that XXXX also lacks legal authority to verify or report the account to Equifax. 

4. Equifax is illegally re-aging the account by reporting monthly charge-off statuses through XXXX. 
Evidence : Previously provided Equifax credit report show the account is marked as charged off with a past-due balance of {$2500.00}, with monthly status updates as recent as XX/XX/XXXX. 
No payment has been made since XX/XX/XXXX. Updating a charged-off account monthly creates the false appearance of recent delinquency and activity. 

5. Equifax failed to provide the method of verification or supporting documents. 
Evidence : The XX/XX/XXXX, response simply states, Equifax verified that this item belongs to you and additional information was provided by the original source. 
No legal documents, contracts, ownership confirmation, or verification logs were included. Under FCRA 611 ( a ) ( 7 ), I am entitled to know how and by whom the account was verified. XXXX, nor XXXX has legal authority to validate or verify any account information since its been transferred to collections on several occasions and Equifax has yet to update to reflect legal ownership. 

6. The account is simultaneously reported as closed, charged off, past due, and in collections which is factually impossible.

Evidence : Equifaxs credit file shows : Account Status : Charged off Payment Status : N/A Date Reported : XXXX XXXX Balance Due : {$2500.00} A charged-off account can not be in collections, past due and can not continue to be reported monthly by a creditor that has written it off and placed it with collections. Equifax as a credit reporting agency knows this is inaccurate reporting. 

7. Equifax ignored direct evidence, including the XXXXXXXX XXXX letters. 
Evidence : XXXX letters were provided in ALL my previous CFPB complaint, yet XXXX XX/XX/XXXX response makes no reference to reviewing or considering this documentation. 
Their explanation that they consider all relevant information is clearly false and they continue to allow known incorrect and inaccurate information. This constitutes a failure to conduct a reasonable reinvestigation under FCRA 611 ( a ). 

XXXX. XXXX and XXXX have no legal authority to continue reporting. 
Evidence : Once charged off and written off, an account is removed from a banks active receivables. XXXX admitted in writing that they transferred the debt. XXXX confirmed they are not servicing the account because they claim its in collections. Therefore, neither party has the legal right to furnish ongoing monthly updates to Equifax. Continued reporting creates the false impression of creditor activity where none exists a violation of FCRA, FDCPA 807 ( 2 ) ( A ), and UDAAP guidelines.

9. The revolving placement of the account with multiple collectors confirms it is no longer owned by the creditor. 
Evidence : Transfers in : XXXX ( to XXXX ) XXXX ( to a new agency, then back to XXXX ) Confirmed again in XXXX A creditor can not continue to report an account as if its active on their books while assigning it to third-party collectors over multiple years. This is abuse and deception of the reporting system which Equifax is allowing.

10. Equifaxs actions are causing ongoing and unjustified credit damage.

Evidence : Each time Equifax reopens, updates, or changes the reporting status of this account, it triggers scoring model recalculations and further damages my credit score despite there being no recent activity or new delinquency.

This constitutes harm under FCRA 1681i, and Equifaxs inaction is a form of willful neglect and systemic failure.

Proof of Equifaxs Deceptive and Negligent Reporting This complaint and its supplemental documentation make clear that XXXXXXXX XXXX XXXX and Equifax have jointly engaged in : 1. Deceptive Credit Reporting Practices The account has been misrepresented as open, charged off, past due, and active simultaneously. 
XXXX and XXXX have no current ownership or servicing rights yet continue to furnish data through Equifax.

Monthly charge-off notations prove false and ongoing delinquency, in direct violation of Metro 2 and FCRA 623 ( a ) ( 5 ).

2. Contradictory and Unverifiable Verifications FinWises own letters from XX/XX/XXXX and XX/XX/XXXX, state the account was charged off, written off, and repeatedly transferred to collections. 
The XX/XX/XXXX, phone call with XXXX further confirms they no longer service the account and that it is currently with XXXX. 
Equifax still claims the account was verified without providing method of verification, ownership documentation, or any evidence beyond a generic response violating FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 7 ). No burden of proof has been provided.

3. Willful Disregard of Consumer Evidence Equifax falsely claims it reviews and considers all relevant information, yet ignored the very documents that disprove the accuracy and legal basis for this tradeline. 
There has been no explanation or rebuttal to the letters from XXXXXXXX XXXX 
This demonstrates not only a failure to conduct a reasonable reinvestigation under FCRA 611 ( a ), but legal negligence and systemic indifference to consumers rights and evidence.

4. Pattern of Irreparable Harm This is not a technical errorit is a pattern of harmful and deceptive behavior by all three parties.

Equifax continues to act as a publisher of false information, despite clear notice that the data is disputed, inaccurate, and unverified. 
XXXX and XXXX have both NO legal responsibility for this account yet continue to allow false data to be reported under their names. 

Demand for Deletion and Accountability This account must be immediately and permanently deleted from my Equifax credit report under FCRA 611 ( a ) ( 5 ) ( A ), as it is : Legally unverifiable Owned by no party currently reporting Updated in violation of Metro 2 standards A clear source of long-term credit suppression and consumer harm I am requesting : A full copy of the verification records, dispute logs, and communications related to this account.

Confirmation of which party verified the account and how, if at all. 
An explanation for why Equifax disregarded the XXXX and XXXX documentation that proves this account no longer belongs on my file.

Company response to consumer: Closed with non-monetary relief