Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint because I have multiple charge-off accounts that continue to be reported inaccurately and without verification by the credit bureaus and the furnishers listed above. The accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Each of these accounts has been disputed multiple times in writing. My first round of disputes was sent certified mail, and I have tracking numbers showing receipt by all three credit bureaus and the furnishers. I allowed the legally required 30 days for reinvestigation then, out of courtesy, I gave an additional 15 days before sending a second dispute, meaning theyve had well over 45 days ( actually more than 60 ) to comply with the FCRA 611 ( a ) reinvestigation period.

Despite that, many of these accounts still show Account not disputed, which is my first violation against each bureau. When an account is under active dispute, it must be reported as such per FCRA 623 ( a ) ( 3 ) and Metro 2 Compliance Condition Code XB.

I have not received one single piece of verification from any of these companies. Instead, I've received : Form letters claiming a credit repair company is working on my file. 
A generic we verified this information response. 
And the most insulting of all a copy of my own credit report. 
Lets be clear : sending me a copy of my credit report is not verification. I obviously already have that. You can not verify a charge-off by sending me what I already disputed. Thats circular, lazy, and legally invalid. ( Consumer 's know their rights, we can google them ) What is considered verification ( for a charge-off ), since you all obviously don't know, you can literally XXXX, let me tell you : Under the Fair Credit Reporting Act ( FCRA ), verification requires the furnisher or bureau to obtain and provide documentary evidence proving the accuracy of the information being reported. This includes : The original signed agreement or account-opening documents. 
Full payment history showing each transaction and payment date. 
Proof of ownership or assignment of the debt. 
Date of last payment/activity to establish accurate delinquency timelines. 
Itemized balance calculation showing how the charged-off amount was reached. 
Creditor correspondence or charge-off statement verifying internal records match what is furnished. 
Anything less than that like a one-line verified note, an e-OSCAR form, or a credit report printout is not verification under FCRA 611 ( a ) ( 5 ) ( A ), FCRA 623 ( a ) ( 1 ) ( A ), or FDCPA 809 ( b ). The CFPB itself has clarified that credit bureaus must obtain actual documentary proof, not rely solely on automated responses from furnishers.

Each credit bureau and furnisher involved has violated the following : FCRA 607 ( b ) : Failure to ensure the maximum possible accuracy of consumer data.

FCRA 611 ( a ) : Failure to conduct a reasonable reinvestigation within 30 days.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing information known or that should be known to be inaccurate.

FCRA 623 ( a ) ( 3 ) : Failure to report that an account is in dispute.

FDCPA 809 ( b ) : Failure to provide written validation and continuing to report unverified debt.

Metro 2 Guidelines : Failure to maintain consistency, accuracy, and dispute coding ( Compliance Condition Codes XB or XC ). 
Each bureaus automated system ( e-OSCAR ) has effectively replaced human review with computer form responses, which is not a reasonable investigation under FCRA 611 ( a ).

The three credit bureaus have a long history of federal lawsuits, enforcement actions, and settlements for violating these same provisions, so let 's just go over that really quick : Experian ( XXXX ) : CFPB enforcement for failure to reinvestigate consumer disputes. 
Equifax ( XXXX ) : Data breach settlement exceeding {$700.00} XXXX due to negligence and poor consumer data controls. 
TransUnion ( XXXX ) : Data breach impacting over XXXX XXXX consumers and ongoing class actions. 
Given this record, it is concerning that these same companies continue to ignore clear, documented disputes while refusing to provide legitimate verification. The burden of proof lies with the furnisher and CRA, not the consumer. You all probably need to get a new system, you make billions a year so we as consumers know you can afford it

Company response to consumer: Closed with non-monetary relief