Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I have submitted multiple disputes directly to this company and to the credit bureaus over the course of several months, clearly outlining severe inaccuracies in the information being reported. Despite my repeated efforts, the company has continuously failed to provide meaningful verification, in direct violation of several key federal laws. This is not only negligent its unlawful. 

The information in question is outdated, inconsistent between bureaus, and appears unverifiable. Specifically, different bureaus show different last payment dates, closed dates, and payment statuses for the same account. This is a blatant violation of 15 U.S. Code 1681i Reinvestigations of disputed information.

Additionally, under 15 U.S. Code 1681s-2, data furnishers are required to report accurate information and correct or delete inaccurate, incomplete, or unverifiable data after being notified. This company has failed to do so, making them liable for continued negligent and willful noncompliance. This is deemed to be unconstitutional behavior from data furnishers and the related credit bureaus being forced on a law-abiding taxpaying citizen of the United States XXXX 

This constitutes furnishing of information known to be inaccurate a serious offense under FCRA Section 623. 

What would be a fair resolution to this issue? 
Due to their consistent pattern of behavior, and failure to properly verify or correct the account, I am requesting the following : Immediately delete the inaccurate account from all consumer reporting agencies if proper documentation is not produced within 15 days. 

Suppose the company insists the information is accurate. In that case, they must provide complete documentation and a detailed description of how and from where they verified the information ( including the original creditor records and payment logs ). 

Failure to comply will be interpreted as an inability to verify the data, in which case the account must be permanently deleted per FCRA 15 U.S. Code 1681i ( a ) ( 5 ).

This matter has dragged on long enough. If this account is not removed or properly verified within 1530 days, I will escalate this to include an investigation for FCRA violations and file additional complaints with the FTC and relevant state attorney generals. 

Furthermore, according to my rights under the Fair Credit Reporting Act, I am demanding that you provide original, signed documentation bearing my signature that verifies I entered into any alleged agreement with this creditor. This signature must be identified as my real signature and not a digital, online, or generated signature. If such documentation can not be produced within 1530 days, this account must be deemed unverifiable and removed immediately under FCRA 611 ( a ) ( 5 ) ( A ). Continued reporting of unverifiable data may be considered willful noncompliance and subject to further regulatory action.

Company response to consumer: Closed with explanation