Consumer complaint received 2025-01-11 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: TX

Complaint narrative:
XXXX XXXX XXXX dispute letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX Equifax Re : Formal Dispute of Inaccurate Reporting Account No. XXXX Dear Equifax, I am writing to formally dispute the reporting of the above-referenced account on my credit report. According to my records, this debt was paid in full and has exceeded the statutory reporting period under the Fair Credit Reporting Act ( FCRA ) and Texas law. Furthermore, discrepancies exist among the credit reports provided by XXXX, XXXX, and Equifax regarding this account, which raises significant concerns about the accuracy and compliance of your reporting practices. 
The account in question was opened on XX/XX/XXXX, and closed on XX/XX/XXXX. Based on the FCRA, negative credit information may only be reported for seven years from the date of the first delinquency. This account should have been removed from my credit report by XX/XX/XXXX at the latest. Additionally, when I contacted XXXX XXXX on XX/XX/XXXX, your representative confirmed that this account was purged from your system on XX/XX/XXXX, and verification of the account could not be provided. Ive sent a complaint to the CFPB XX/XX/XXXX without resolution to this day. 
Despite previous disputes, this account continues to appear on my credit report, with each bureau reporting different information and dates. Such discrepancies are a violation of the FCRA and the Consumer Financial Protection Bureau ( CFPB ) guidelines, which mandate that creditors provide accurate and consistent information to all reporting agencies. 
Legal Violations XXXX. Fair Credit Reporting Act ( FCRA ) Violations : FCRA 1681c ( a ) ( 4 ) : Prohibits reporting adverse information that is more than seven years old. 
The account is being reported as updated within the past month, but if proper investigations was completed, the credit reporting agency would know that XXXX XXXX doesnt even have this account in their database since XXXX when it was expunged as a good account. Equifax has this account listed as being XXXX years, XXXX months, XXXX  days old. Equifax is purposely re-aging this account for nefarious reasons. This account is factually XXXX  years, XXXX  months, XXXX  days old from open date of XX/XX/XXXX. This is grounds for legal action against Equifax according to federal laws. 
FCRA 1681s-2 ( b ) : Requires furnishers of information to promptly investigate disputes and correct inaccuracies. 
FCRA 1681i ( a ) : Mandates that disputed information must be verified, corrected, or deleted from the consumers credit file. 
XXXX. Texas Finance Code Violations : Texas Finance Code 392.304 ( a ) : Prohibits the use of false or misleading practices in debt collection or credit reporting.

Texas Finance Code 392.202 ( a ) : Requires verification of disputed debts within a reasonable timeframe. 
XXXX. Consumer Financial Protection Bureau ( CFPB ) Guidelines : Creditors are prohibited from reporting unverifiable, inconsistent, or outdated information.

Specific Requests for Resolution To resolve this matter, I request that XXXX XXXX : XXXX. Immediately Cease Reporting the Account : Remove this account from all credit reporting agencies ( XXXX, XXXX, and Equifax ) as it has exceeded the allowable reporting period under the FCRA. 
XXXX. Provide Written Confirmation of Removal : Confirm in writing that this account has been permanently removed from my credit file and will not be reported again. 
XXXX. Detailed Explanation of Previous Disputes : Provide a written explanation of why my previous disputes were ignored or improperly handled, contrary to the requirements of FCRA 1681i ( a ). 
XXXX. Proof of Debt Ownership and Verification : If you claim this debt is valid, provide : A copy of the original contract with my wet signature. 
A detailed payment history showing the alleged balance. 
Documentation verifying the accuracy of the reported dates and amounts. 
XXXX. Investigation Results and Supporting Documentation : Provide a detailed explanation of how this debt was verified during previous disputes, including the methods and supporting documentation used in the investigation. 
XXXX. Consistent Reporting Across Bureaus : Address and correct the discrepancies among the credit bureaus regarding this account. 
XXXX. Compliance with Licensing Laws : Confirm that XXXX XXXXXXXX was in compliance with Texas debt collection and reporting laws, including licensing requirements under Texas Finance Code 392.101, if applicable. 
Legal Remedies for Non-Compliance Failure to comply with these requests will result in further legal action, and I will pursue all available remedies under the Fair Credit Reporting Act ( FCRA ), Texas Finance Code, and Texas Business and Commerce Code, Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  ( BBB ), and XXXX XXXX XXXX XXXX, which protect consumers from the reporting of inaccurate, unverifiable, or outdated information. 
Thank you for your prompt attention to this matter. I expect a response with the requested documentation within the legally required timeframe. 
Sincerely, XXXX XXXX XXXX __________________________________________ Legal References : Fair Credit Reporting Act ( FCRA ) : Section 1681i Procedures in Case of Disputed Information : FCRA 1681i ( a ) ( 1 ) ( A ) FCRA 1681i ( a ) ( 4 ) Section 1681s-2 Duties of Furnishers of Information : FCRA 1681s-2 ( b ) Section 1681b Permissible Purposes of Consumer Reports : FCRA 1681b Section 1681c Information Excluded from Consumer Reports : FCRA 1681c ( a ) ( 5 ) Texas Law Texas Debt Collection Act XXXX Texas Finance Code, Chapter 392 ) Texas Finance Code 392.304 Unlawful Debt Collection Practices : Texas Finance Code 392.304 ( a ) Texas Finance Code 392.202 Licensing Requirement for Debt Collectors : Texas Finance Code 392.202 ( a ) Texas Finance Code 392.303 Collection of Unverified or Inaccurate Debt : Texas Finance Code 392.303 ( a ) Texas Business and Commerce Code 20.05 Fraudulent or Inaccurate Reporting

Company response to consumer: Closed with explanation