Consumer complaint received 2025-08-16 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: GA

Complaint narrative:
I am filing this complaint against Equifax Information Services, LLC and Experian Information Solutions , Inc., requesting immediate investigation based on the discovery of new evidence. This is not a duplicate dispute, and both must investigate as required by law under FCRA 611 ( 15 U.S.C. 1681i ). This matter involves their role in reporting and/or maintaining false and unverifiable information furnished by XXXX XXXX XXXX XXXX XXXX in Interest to XXXX XXXX XXXX  XXXX and their legal counsel, XXXX XXXX XXXX GA XXXX No. XXXX ) of XXXX XXXX XXXX XXXX. 

Equifax is currently reporting an account from XXXX XXXX XXXX that shows a {$0.00} balance, {$0.00} past due, and a status of Transferred/Charged-off, with the account closed as of XX/XX/year>. The tradeline also contains the remark Consumer disputes reinvestigation in progress. I did not request any reinvestigation of this account, yet the remark was added without my consent, knowledge, or authorization. This constitutes false reporting and unlawful manipulation of my credit file. Under FCRA 611, a reinvestigation can only be initiated upon a consumers request. By adding this remark without my dispute, Equifax is furnishing inaccurate information in violation of FCRA 1681i ( a ) and 1681e ( b ), as well as XXXX XXXX data reporting standards. If the account is closed and charged off with a {$0.00} balance, then there is no lawful basis for it to continue appearing in my file as collectible. Furthermore, if XXXX XXXX XXXX did in fact charge off this account, then a 1099-C Cancellation of Debt should exist and have been filed with the IRS. No such documentation has been produced, raising further questions about the validity of this reporting. 

Experian, by contrast, does not report any account from XXXX XXXX XXXX XXXXXXXX XXXX XXXX, or related entities. There is no charge-off, balance, or tradeline of this type appearing in my Experian credit file. The absence of reporting on Experian, combined with Equifaxs conflicting {$0.00} balance/charged-off reporting and XXXX  contradictory active XXXX tradeline, demonstrates that the information furnished by XXXX XXXX XXXX is inaccurate , unverifiable, and inconsistent across consumer reporting agencies. This inconsistency is clear evidence of violations of the Fair Credit Reporting Act and XXXX XXXX data standards, which require accurate, consistent, and verifiable reporting. 

XXXX XXXX XXXX and attorney XXXX XXXX have failed to provide any legally required validation package under the Fair Debt Collection Practices Act. They have not produced a signed contract bearing my name and Social Security number, a bill of sale, an assignment of rights, or any account-level documentation establishing ownership or legal authority to collect this debt. Despite my disputes, they continue to furnish inaccurate informationparticularly to XXXX  violation of FCRA 1681e ( b ), 1681s-2 ( a ) ( 1 ) ( A ), and 1681s-2 ( b ), as well as FDCPA 1692e, 1692f, and 1692g. The reporting also fails to comply with XXXX XXXX standards, as the tradeline is misclassified, lacks a proper Date of First Delinquency, and uses an incorrect dispute code. These misrepresentations are materially harmful to my credit profile, interfere with my ability to access credit, and constitute abusive, deceptive, and unlawful practices under federal law. 

I am requesting that the CFPB order Equifax and Experian to immediately investigate these inconsistencies, confirm in writing that no valid and collectible account exists, and block any future attempts by XXXX XXXX XXXX or XXXX XXXX XXXX XXXX to insert or modify this tradeline without proper validation. I also request that the CFPB take enforcement action against XXXX XXXX XXXX and attorney XXXX XXXX for their unlawful credit reporting and collection practices, and refer XXXX XXXX to the Georgia XXXX XXXX for ethical review. Finally, I request that Equifax remove the unauthorized reinvestigation in progress remark from my credit file, as it was added without my dispute request. 

This is a serious violation of federal consumer protection laws. The reporting by Equifax, Experian, and XXXX  is inconsistent and misleading, the alleged account is unverifiable, and XXXX XXXX XXXX has failed to provide any lawful documentation of ownership or assignment. I request full investigation, enforcement, and permanent removal of this false information.

Company response to consumer: Closed with explanation