Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
PLEASE READ ALL OF THIS INFORMATION AS ITS ALL HERE I DEMAND EQUIFAX BE HELD LIABLE. 

All information is available below as attachments and PDFs. Attachment " trackletter '' is the first letter I had sent out. Attachment " Equifax Letter 2 '' was the second letter I had sent out, which is the current letter they should be investigating. During this investigation, they have reported a late payment TO MY CONSUMER REPORT. This item WAS reported in the FIRST 30 days of it showing up on my credit so the fact we are here is XXXX. All the responses I have gotten from Equifax are generic letter ( s ) saying the information has been verified, but no LEGAL OR LAWFUL PROOF OR INVESTIGATION HAS BEEN SHOWN OR GIVEN. Not only could equifax not show me anything other than a generic letter they didnt do it within the 30 day mark, nor did the have grounds to do the 45 day extension because i never added any more documentation during the period of time. This alone makes their claims NULL and void per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( Also known as FCRA 611 ( a ) ( 1 ) ( A ) ) Here is the key language verbatim : the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate not later than 30 days after receiving notice of the dispute. Not to mention the 3 phone calls i have made to get updates and to MAKE SURE THEY EQUIFAX DO THINGS CORRECTLY.

Detailed Complaint 1. Unlawful Reinsertion Without Notice FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Equifax previously removed the disputed XXXX account from my credit report.

Later, Equifax reinserted the account without providing me the required written notice within 5 business days, as mandated by 1681i ( a ) ( 5 ) ( B ) ( ii ).

Equifax never notified me of : The date of reinsertion Any supporting documentation This alone is a clear FCRA violation.

2. Failure to Conduct a Reasonable Investigation 15 U.S.C. 1681i ( a ) I have disputed this account XXXX times with Equifax. 
Each time, Equifax marked the account verified without providing : Any signed contract Any original instrument bearing my signature Any proof I opened or authorized this account Any documentation establishing the account belongs to me XXXX themselves can not produce a signed contract, and they have admitted they can not provide the necessary documentation. 

If the furnisher can not validate the account, Equifax can not legally verify it. 

Equifax failed to conduct a lawful reinvestigation as required under 1681i ( a ) ( 1 ) and 1681i ( a ) ( 4 ).

3. Furnishing & Reporting Unverifiable Information 15 U.S.C. 1681e ( b ) Equifax is reporting information that can not be verified, violating their duty to ensure maximum possible accuracy. 

Because : XXXX can not produce a signed agreement, No legal validation has ever been produced, Equifax is knowingly reporting inaccurate, unverified, and unvalidated data. 

4. Reporting a Late Payment During an Active Dispute While the account was again under investigation, Equifax added a new late payment on my consumer report.

Under the FCRA, no CRA may : Modify Update Add derogatory information to an item that is actively in dispute.

Equifax reported adverse information while my dispute was still pending, which is another direct violation of 1681i and 1681s-2 ( a ).

5. Identity Theft / Fraudulent Account Basis 15 U.S.C. 1681c-2 ( 605B ) My original dispute included an identity theft / unauthorized account claim under 1681c-2 ( FCRA 605B ).

Under 605B : A CRA must block reporting of any information that is the result of identity theft within 4 business days after receiving an Identity Theft Report ( FTC report ). THEY BLOCKED IT AFTER THE 4-day mark AND REINSERTED INCORRECTLY I submitted : FTC Identity Theft Report Supporting documentation Method of Verification Demand Certified mail tracking and proof of receipt Equifax failed to block the account as required by law. ( TIME WISE ) If you can't show me a contract with my signature, Equifax and XXXX can not legally furnish or report it. 

6. Harm Suffered Because of Equifaxs violations, I have experienced : Loss of funding opportunities Denial of credit Emotional distress Time and financial loss correcting errors Reputational harm due to false derogatory reporting These are direct and foreseeable consequences. 

Requested Resolution I request that the CFPB compel : Equifax to : Permanently delete the XXXX account from my credit file, across all databases. 

Provide proof of the alleged reinvestigation, including all documentation used. 

Provide documentation showing the reason and date of reinsertion ( which was never given ). 

Issue written confirmation that the account will not be reinserted again without full compliance with 1681i ( a ) ( 5 ) ( B ). 

Cease reporting any late or derogatory information related to this account I have filed with the XXXX myself. I will file with a consumer law attorney. I have filed with the XXXX and the attorney general.

Company response to consumer: Closed with explanation