Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am filing a dispute regarding the inaccurate reporting of a debt by Equifax, furnished by XXXX XXXX XXXX. Despite a previous dispute, Equifax continues to report inaccurate information that violates the FCRA. 

XXXX XXXX XXXX is reporting a false Opened Date of XX/XX/XXXX, which constitutes illegal re-aging. The original delinquency date with the original creditor ( XXXX XXXX XXXX exceeds 7 years, making it time-barred from credit reporting under the FCRA. 

XXXX XXXX XXXX never attempted to contact me or collect this debt prior to reporting it to the credit bureaus. I received no written communication, no demand letters, or any opportunity to validate or dispute the debt, which is a violation of the FDCPAs requirement to notify consumers within five days of the first attempt to collect a debt ( 15 U.S.C. 1692g ) Equifax sent me a letter dated XX/XX/XXXX, stating they could not locate my credit file without additional identification documents, such as a Social Security card or drivers license. 

Despite not confirming my identity, Equifax still claimed to have verified the accuracy of the XXXX XXXX account. This raises serious questions about how Equifax was able to verify the account without confirming my identity. 

XXXX XXXX XXXX has not provided proper validation of the debt, including proof of ownership or assignment, a valid chain of title, or documentation of the original delinquency date. 

Equifax failed to obtain sufficient evidence from XXXX XXXX XXXX to substantiate their reporting but continues to report this account on my credit file. 

XXXX inability to verify my identity while claiming to verify XXXX XXXXXXXX XXXX reporting demonstrates negligence and failure to comply with the FCRAs requirements for accurate and thorough investigations. 

I demand proof of how Equifax verified the Date of Last Activity and why this date has changed. 
XXXX XXXX XXXX has not provided proof of ownership of the debt or a valid chain of title from the original creditor. Equifax has failed to obtain this documentation before continuing to report the account. 

XXXX XXXX XXXX is relying on a court judgment for collection, but the judgment they provided does not list XXXX XXXX XXXX as the plaintiff or creditor. This raises serious doubts about their authority to collect and report this debt. 
I was never properly served with legal documents for the court judgment XXXX XXXX XXXX is using to justify this reporting. The public court record for an earlier case related to this debt ( XXXX XXXX XXXX ) shows a Not Found/Unserved status. Equifax failed to account for this critical information in its investigation. 

This account appeared on my credit report without any prior communication or attempt to collect from me by XXXX XXXX XXXX. Their failure to provide proper notice, validate the debt, or prove ownership, combined with XXXX failure to verify the accuracy of the information, has caused damage to my credit and financial standing.

Company response to consumer: Closed with explanation