Consumer complaint received 2025-06-28 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: NY

Complaint narrative:
Disclosure : As a consumer fully exercising my rights under the Fair Credit Reporting Act ( FCRA ), I am documenting each step in preparation for formal legal escalation, if necessary.

Clarification : This complaint is separate and distinct from any previously filed complaints against Equifax. It addresses new violations and failures, specifically Equifaxs refusal to provide verification documentation in response to a formal and lawful request under FCRA 1681g and 1681i ( a ) ( 6 ) ( B ) ( iii ). It is not duplicative in subject matter or legal basis.

Subject : Complaint against Equifax for Improper Handling of Spring Oaks Capital Dispute FCRA Violations 611, 623, and Refusal to Submit Verification Documentation Despite My Formal and Lawful Request Under FCRA 1681g and 1681i ( a ) ( 6 ) ( B ) ( iii ) Narrative : I am filing this complaint against Equifax for its improper reinvestigation and continued reporting of a disputed account furnished by XXXX XXXX XXXX XXXX XXXX ( account ending in XXXX ). Despite submitting evidence that clearly disqualifies this account from consumer credit reporting, Equifax marked the account as verified as accurate without providing any documentation or explanation. 

Timeline & Evidence : On XX/XX/year>, I sent a certified dispute directly to XXXX XXXX XXXX, which remains unanswered a violation of FCRA 623 ( a ) ( 8 ).

In my dispute letter to Equifax ( dated the same day ), I specifically requested verification of the original signed agreement. Equifax failed to obtain or acknowledge this critical document, which as I now provide clearly states the funds were not for personal, family, or household use.

This proves the debt is commercial in nature and therefore not subject to consumer credit reporting under the FCRA. 
On XX/XX/year>, I filed a CFPB complaint ( ID # XXXX ) against XXXX XXXX XXXXXXXX XXXX which remains unresolved. 
On XX/XX/year>, Equifax closed its reinvestigation and issued results stating the account was verified as accurate and updated, yet provided no documentation or acknowledgment of the commercial-use clause in the loan agreement. 
Due to Equifaxs non-compliance with my documentation request, I sent a formal verification demand letter, citing violations of FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), 611 ( a ) ( 5 ) ( A ), and 616 & 617. I explicitly requested the documentation used to verify the account, the method of verification, and the name of the party who confirmed the information.

Equifax has refused to provide any of this information, despite my formal and lawful request under FCRA 1681g and 1681i ( a ) ( 6 ) ( B ) ( iii ).

Any attestation that this information was verified as accurate or updated without substantiating records may constitute false testimony, constructive fraud, or deceptive business practices. This is especially concerning given that XXXX XXXX XXXX has failed to respond to both my direct dispute and my prior CFPB complaint. This suggests that Equifaxs verification process was not only inadequate but potentially misleading.

I am not seeking unnecessary conflict I am requesting only the lawful correction of inaccurate and unverified information. If Equifax deletes the account in full and in good faith, I will consider the matter resolved and take no further action regarding this issue.

Company response to consumer: Closed with explanation