Consumer complaint received 2026-05-24 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:
My complaint is in regards to XXXX, Equifax and XXXX Credit reporting agencies. I have sent the below letter to XXXX, Equifax , XXXX Credit Reporting agencies and each identified company below. I continue to get automated responses and have never received the required information required by law to support these claims of ownership, accuracy. I request that all items be removed from credit immediately as this is a direct violation of my rights. Companies XXXX, Equifax , and XXXX continues to use automated responses and/or no account numbers with no requested legal proof provided. XXXX XXXX XXXX ( Proof of ownership & accuracy ) XXXX XXXX XXXX ( Proof of ownership & accuracy ) XXXX XXXX XXXX, XXXX ( account re-aged and accuracy ) XXXX XXXX XXXX ( re-aged and accuracy ) XXXX XXXX XXXX ( re-aged and accuracy ) XXXX XXXX ( Proof of ownership and accuracy ) XXXX XXXX ( accuracy ) XXXX XXXX ( accuracy ), XXXX XXXX XXXX ( Proof of ownership and accuracy ) Notice of Dispute, Non-Compliance, & Liability. NOTICE OF RECORD DISPUTE, DEMAND FOR BURDEN OF PROOF, & NOTICE OF INTENT TO HOLD LIABLE FOR NON-COMPLIANCE Pursuant to 15 U.S.C. 1681i, 1681e ( b ), 1681n, and 1681o To Whom It May Concern, I am writing to formally dispute the accuracy of information contained in my consumer credit report. Under Section 611 of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am exercising my right to challenge the completeness and accuracy of the record ( s ) listed below. 1. Factual Basis for Dispute & Legal Deficiencies The information being reported by your agency regarding this account is completely inaccurate, incomplete, misleading, and internally inconsistent. I demand a full reinvestigation based on the following severe legal and factual deficiencies : No Admissible Evidence of Consumer Obligation : No original signed contract, agreement, or concrete consumer obligation has ever been produced to establish that a valid consumer debt exists. The reporting lacks a competent foundation and personal knowledge, rendering it entirely unreliable and legally inadmissible. Failure to Validate Under FDCPA Standards : The data furnisher has failed to properly validate the alleged debt pursuant to Fair Debt Collection Practices Act ( FDCPA ) standards, yet they continue to unlawfully report collection data to your agency. Unlawful Account Re-Aging : A review of my records indicates that this account appears to be unlawfully re-aged in direct violation of FCRA Section 623 ( 15 U.S.C. 1681s-2 ). The date of first delinquency or account status dates have been manipulated to artificially extend the time this negative item remains on my credit file. Cross-Agency Conflicting Data : This furnisher is transmitting conflicting, contradictory data across multiple consumer reporting agencies ( Equifax , Experian, and TransUnion ). This cross-agency disparity proves a systemic lack of data integrity and a violation of the accuracy mandates. 2. Demand for Mandatory Documentary Proof & Statutory Deletion To lawfully continue reporting this account, your agency and the data furnisher must obtain, review, and retain verifiable, independent documentary evidence. Merely checking an automated database does not suffice. You must secure : The original signed contract or application creating the alleged obligation. A complete, itemized payment history tracking the account from inception to its current state. Proof of assignment, transfer, or ownership, including a complete, unbroken chain of title if this account was sold. The exact date of first delinquency as defined by federal statute. Evidence establishing the explicit legal right to collect and report this alleged debt. Absolute verification based on personal knowledge, not blind reliance on a third-party electronic database. Failure to obtain and review all of the above requires deletion as a matter of federal law. If you can not produce and verify these mandatory documents within the statutory 30-day timeframe, you are statutorily obligated to DELETE the account in its entirety, cease all reporting immediately, and notify all recent recipients of this credit report of the correction. 3. Applicable Statutory Legal Standards & Unlawful Practices The " Maximum Possible Accuracy '' Mandate ( 15 U.S.C. 1681e ( b ) ) : Federal law dictates that your agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual. Merely rubber-stamping an error reported by a data furnisher does not satisfy this duty. Prohibition Against " Rubber-Stamp '' e-OSCAR Verifications : Reducing my specific factual dispute down to a generic, 2-digit electronic code via e-OSCAR and performing a superficial data-matching routine does not constitute a legally compliant, reasonable reinvestigation. Rejection of Boilerplate Responses : Issuing a generic, computerized boilerplate response stating that the item has been " verified as accurate '' without providing actual, physical documentary proof of the underlying debtis an unlawful investigation practice. If you claim this item has been verified despite this notice, I hereby demand that you provide me with the Method of Verification ( MOV ) within 15 days of completing your investigation, as required under 15 U.S.C. 1681i ( a ) ( 7 ). This must include the business name, physical address, telephone number, and the specific documents reviewed. 4. Notice of Liability & Statutory Remedies Be advised that continued reporting of unverifiable information, failure to conduct a lawful reinvestigation, or reliance on automated verification methods after receiving this explicit notice constitutes : Willful Non-Compliance under FCRA Section 616 ( 15 U.S.C. 1681n ). Negligent Non-Compliance under FCRA Section 617 ( 15 U.S.C. 1681o ). Pursuant to federal law, remedies for these violations include actual damages, statutory damages ( up to {$1000.00} per violation ), punitive damages as determined by a court, and mandatory reasonable attorney 's fees and legal costs. 5. Legal Notice to Preserve All Records ( Litigation Hold ) Be advised that this matter may proceed to formal litigation in federal court. You are hereby commanded to preserve all records, documents, and electronic data related to this account. This preservation order includes, but is not limited to : all internal/external communications, investigation and verification logs, data furnisher correspondence, internal agent notes, automated system entries, and all e-OSCAR data, transmission records, and codes utilized during this investigation. Failure to preserve these records constitutes intentional spoliation of evidence. Enclosed Documentation : To assist your agency in meeting its burden of proof, I have enclosed the following identity verification items : Copy of my government-issued ID and a utility bill ( for identity and address verification ). I look forward to your fully compliant, lawful response and an updated copy of my credit report within 30 days. Formal Notice of Inconvenience & " No Phone Calls '' Directive Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( a ) ( 1 ), you, your agents, and the data furnisher are hereby notified that telephone calls to my personal, residential, or workplace numbers are highly inconvenient and constitute a severe invasion of my privacy. Cease All Telephonic Contact Immediately : I demand that you place an immediate cease-and-desist on all phone calls to any telephone numbers associated with my identity. Communications Must Be Written Only : All future communications, status updates, or requests for information regarding this dispute must be conducted strictly. Thank you in advance for your help in this matter, XXXX continues to disregard the law, and needs to be reminded that they are to hold a higher standard after being sued in XXXX for {$60.00} XXXX in damages for this exact reason. XXXX continues to disregard the law, and needs to be reminded that they are to hold a high standard after being sued in XXXX for re-inserting errors into credit files AFTER disputes were won. Equifax continues to disregard the law, and needs to be reminded that they are to hold a higher standard after being fined {$15.00} XXXX for violating FCRA dispute-handling, exact what is happening to me directly now.

Company response to consumer: Closed with non-monetary relief