Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Letter 1 : To TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date of Birth : XXXX Social Security Number : XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX, PA XXXX Date : XX/XX/XXXX Subject : Formal Dispute and Demand for Deletion of Inaccurate and Unverifiable Information To Whom It May Concern : This letter is a formal notice that I am disputing multiple inaccurate, unverified, and incomplete items on my credit report. The reporting of this information violates my rights under the Fair Credit Reporting Act ( FCRA ) and is causing me tangible financial and personal harm. 
I demand a complete investigation into the following accounts. If you can not provide absolute verification of the accuracy, status, and your legal right to report these items, you must delete them from my file immediately. 
Disputed Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is listed as a " Collection/Chargeoff '' with a remark stating it was " Charged off as bad debt ''. I demand you provide a full validation from the original creditor, including the complete payment history that substantiates this derogatory status. Without such proof, you must delete this entry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You report this account as a " Collection/Chargeoff '' with the remark " Purchased by another lender ''. As the original creditor has sold this debt, they no longer have the legal standing to report on it. Its continued presence is misleading and duplicative. This item must be deleted immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a collection account. Per my rights under the FDCPA, this debt is not validated. Furthermore, you are reporting this account with an " Open '' status, which directly contradicts the " Closed '' status reported by Experian. This is a clear violation of the FCRA 's requirement for accuracy. Delete this unverified and inaccurately reported collection account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is a collection account for an alleged debt from XXXXXXXX XXXX XXXX  This account has not been validated. Your report includes the remark " Dispute resolved ; customer disagrees ''. This is an admission that the dispute is not truly resolved. Under FCRA Section 611, you must resolve investigations within 30 days. Your failure to bring this to a verified conclusion constitutes a violation. Therefore, you must immediately delete this item. 
Pursuant to the FCRA, you must complete your investigation within 30 days of receiving this notice. Please send me written confirmation of the results and a copy of my corrected credit report to the address listed above. 
Sincerely, XXXX XXXX XXXX XXXX XXXX : To Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date of Birth : XXXX Social Security Number : XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX Date : XX/XX/XXXX Subject : Formal Dispute and Demand for Investigation and Validation of Accounts To Whom It May Concern : I am writing to exercise my rights under the Fair Credit Reporting Act ( FCRA ) and formally dispute several damaging and inaccurate items on my credit report. I demand a full investigation and validation of these entries. Any item that you can not prove is 100 % accurate and verifiable must be deleted. 
Disputed Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is reported as a " Collection/Chargeoff. '' The remark states, " Account was in dispute- now resolved '' ; I attest that this matter is not resolved to my satisfaction. I demand strict proof and validation of this derogatory status. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You report this as a " Collection/Chargeoff. '' The remark " Subscriber reports dispute resolved consumer disagrees '' confirms my continued dispute and your failure to adequately resolve it. Per FCRA Section 611, investigations must be completed within 30 days. As this remains unresolved, you must delete this item. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are reporting this account 's status as " Repossession ''. The remark " Customer disputed account - reported by subscriber '' indicates a prior dispute. Your failure to resolve this has allowed a severe derogatory mark to remain. You are in violation of the 30-day investigation limit under the FCRA. Delete this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This collection account is unvalidated. The remark " Customer disputed account - reported by subscriber '' shows this is a contested item that has not been properly investigated or resolved within the 30-day statutory period. Furthermore, you report its status as " Closed, '' which is inconsistent with other bureaus. Delete this inaccurate collection account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is a collection account where the remark states, " Subscriber reports dispute resolved - consumer disagrees ''. This is my formal notification that I continue to disagree. Your failure to resolve this dispute in a verified manner within the 30 days mandated by the FCRA requires the immediate deletion of this item. 
* Inquiry : The inquiry from XXXX dated XX/XX/XXXX was not authorized by me. This was not a permissible purpose, and it must be removed from my file. 
I expect your investigation to be completed within the 30-day statutory period. Following your investigation, send written confirmation of your findings and a copy of my updated credit report to my address. 
Sincerely, XXXX XXXX XXXX XXXX XXXX : To Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date of Birth : XXXX Social Security Number : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX, GA XXXX Date : XX/XX/XXXX Subject : Formal FCRA Dispute of Inaccurate and Unsubstantiated Account To Whom It May Concern : I am writing to provide formal notice of a dispute regarding information contained in my Equifax credit file. Under the Fair Credit Reporting Act ( FCRA ), I am demanding an investigation into the following account and its immediate deletion due to its inaccurate and unverified nature. 
Disputed Item : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This account is listed as a " Collection '' account with a " Derogatory '' rating. The information you are reporting is filled with inaccuracies and legal deficiencies : * The account is marked as " Account disputed '' and " Consumer disputes after resolution ''. This is an admission that this matter has been previously disputed and remains unresolved. Your failure to conclude a proper investigation within the 30 days required by FCRA Section 611 is a violation of my rights.

* You list the account status as " Open '' and " Late 120 Days ''. A collection account should not be reporting ongoing late payments in this manner. 
* As a collection account, it has not been validated per my rights under the FDCPA. 
Given the multiple inaccuracies and your failure to resolve a prior dispute within the statutory timeframe, you must immediately delete this account from my credit file entirely. 
I await the results of your legally mandated 30-day investigation. Please provide written notice of the results and a complimentary copy of my amended credit report to the address above. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief