Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I am filing a formal consumer complaint against Equifax Information Services , LLC for egregious, willful violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ) and 15 U.S.C. 1681i ( failure to conduct a reasonable reinvestigation ). Equifax is actively publishing a severely corrupted, fraudulent, and illegally reaged medical collection tradeline reported by XXXX XXXX under Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the balance of {$1500.00}. Direct verification conducted today with the billing department of the original medical provider ( XXXX XXXX XXXX XXXX ) provides absolute, irrefutable proof that Equifax 's data parameters are a mathematical impossibility and a total failure of basic system data integrity : XXXX. Blatant Data Corruption and Chronological Impossibility The original provider 's records confirm the actual historical Date of Service ( DOS ) was XX/XX/XXXX. Despite this timeline, Equifax is currently publishing a " Date of First Delinquency '' of XX/XX/XXXX, XXXX occurs a full XXXX months BEFORE the patient was ever admitted, seen, or treated by the provider. To compound this system error, Equifax is allowing XXXX XXXX to report a " Date Assigned '' of XX/XX/XXXX. Allowing a data furnisher to report a delinquency date that predates the creation of the debt is a facial violation of 15 U.S.C. 1681e ( b ). XXXX. Systemic Reliance on Breached and Scraped Records The original medical provider associated with this file was heavily compromised and named in a widespread, public data breach class action settlement involving its parent entity 's clinical network. The mismatched metrics and impossible timelines being published on my Equifax file demonstrate that Equifax is permitting a third-party junk debt buyer and its collector ( XXXX XXXX ) to poison consumer profiles using corrupted data scraped from an unverified data breach leak. XXXX. Equifax 's Failure to Perform a Statutory Reinvestigation Equifax can not claim to have performed a " reasonable investigation '' under 15 U.S.C. 1681i if its system merely processes automated e-OSCAR verification codes without reviewing the glaring, fatal chronological errors in the file. Furthermore, XXXX XXXX has executed an unlawful " XXXX '' dispute-blocking policy : they verify the account to Equifax via automated systems XXXX yet sent me formal correspondence stating they refuse to investigate my consumer dispute unless I mail them physical copies of my government photo ID. Equifax can not legally maintain a tradeline that is systematically shielded from consumer verification by the furnisher, while simultaneously failing basic algorithmic checks on its delinquency dates. XXXX. Notice of Multi-Agency Regulatory Actions & Legal Counsel Due to the severity of this credit defamation and the unauthorized transmission of a minor child 's medical billing data over unsecure networks by Equifax 's furnisher, multi-agency enforcement actions have been officially initiated today : A formal health privacy breach complaint has been logged with the XXXX Department of Health and Human Services Office for Civil Rights ( OCR ). Deceptive trade practices and illegal reaging complaints have been filed with the Federal Trade Commission ( FTC ) and the XXXX XXXX Attorney General 's Consumer Protection Division. Formal Notice of Statutory Non-Compliance has been served via Certified Mail to the compliance office of the original creditor.

Company response to consumer: Closed with non-monetary relief