Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Subject : Formal Request for Reinvestigation Unverified and Unvalidated Accounts on Equifax Credit Report Dear Consumer Financial Protection Bureau, I am submitting this formal complaint and request for assistance in initiating a reinvestigation of accounts that continue to appear on my Equifax credit report, despite being unverified and unvalidated in accordance with federal law. These accounts were previously verified as accurate by Equifax, yet no competent evidence or lawful validation has been provided by the furnishers or debt XXXX. 

Accounts in Dispute Furnisher/Collector Name : XXXX XXXX XXXX XXXX XXXX XXXX Account : Collection Dispute Summary : Verified without validation, no original documentation provided, not marked as disputed, possibly re-aged. 

Unauthorized Inquiries XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Violations of Consumer Protection XXXX XXXX. Failure to XXXX a Reasonable Reinvestigation Under FCRA 611 ( 15 U.S.C. 1681i ), Equifax must conduct a reasonable reinvestigation when a consumer disputes the completeness or accuracy of an item. Simply confirming with the furnisher that the account matches their records does not meet this standard. No actual documentation has been produced proving the debt is valid, belongs to me, or is legally collectible. 
2. Furnishing Inaccurate or Incomplete Information Under FCRA 623 ( 15 U.S.C. 1681s-2 ), a furnisher must not report information that is known or believed to be inaccurate. Reporting an unverifiable or unvalidated collection/charge-off as accurate constitutes a violation. 
XXXX. Failure to Provide Proper Debt Validation Under the FDCPA 809 ( 15 U.S.C. 1692g ), any third-party debt collector is required to validate the debt upon request, including : The name and address of the original creditor The amount of the debt with itemization Evidence of assignment/ownership of the debt None of the XXXX have provided this information, and yet the items remain reported. 


XXXX. Re-Aging of Accounts If the date of first delinquency is not accurately maintained, the account XXXX appear to remain longer than the XXXX limit. This violates FCRA 605 ( a ) and FCRA 605 ( c ), which limit the reporting period for adverse information to 7 years from the original delinquency date. 
XXXX. Failure to XXXX Accounts as XXXX XXXX to FCRA 623 ( a ) ( 3 ), once a consumer disputes an account, the furnisher is obligated to report it as disputed to the credit bureaus. Some of the accounts in question are not flagged as disputed, in violation of this requirement. 
Requested Relief I respectfully request the CFPB : Investigate XXXX reinvestigation procedures for the disputed accounts. 


Require Equifax to obtain documented proof from the furnisherssuch as original signed contracts or itemized billing statementsnot just a superficial verification. 


Remove all unverifiable and unvalidated accounts from my credit report. 


Ensure all accounts in dispute are properly flagged as disputed under FCRA. 



Thank you for protecting consumer rights and for your attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief