Consumer complaint received 2025-12-04 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: NY

Complaint narrative:
Credit Bureau Involved : Equifax Information Services LLC Furnishers Involved : ( All furnishers listed in my original dispute packet ) This includes, but is not limited to : Collections & Debt Collectors Aldous & Associates Any additional third-party collectors reporting inaccurate balances, statuses, or dates Student Loan Furnishers U.S. Department of Education Federal loan servicer ( s ) responsible for reporting CARES Actprotected loans Credit Card Furnishers ( If included in the dispute packet ) Any credit card companies reporting incorrect payment history Any creditor reporting false late payments, derogatory marks, or charge-offs Auto Loan / Finance Furnishers ( If applicable ) Any auto lenders reporting repossessions, late payments, or false delinquency Utility, XXXX, or Other Furnishers ( If applicable ) Any service provider reporting balances or collections that are inaccurate or unverifiable ( This wording covers every furnisher Equifax failed to notify . ) 1. Summary of Complaint I am filing this complaint because Equifax refused to process my legally submitted dispute, despite USPS proving the mail was delivered and available for pickup. 



Because Equifax ignored my dispute entirely, none of the furnishers listed in my packet received the dispute notice, which is required by law. 



I am not requesting a new 30-day reinvestigation. 

The statutory period has already passed, and Equifaxs failure to process my dispute has triggered automatic legal violations. 



I am preparing Intent to Sue notices.

2. USPS Tracking Proof of Delivery ( Equifax Refused to Process It ) Mailed : XX/XX/year> at XXXX XXXX  Tracking : XXXX Available for Pickup : XX/XX/year> at XXXX XXXX  Location : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Even though Equifax received the dispute, they never retrieved it, never processed it, and never forwarded it to any furnisher. 



This violates every mandatory step required by the FCRA. 

3. How Each Category of Furnishers Violated Federal Law Because Equifax blocked the dispute from even reaching the furnishers, every furnisher listed below is now out of compliance.

A. Collections Furnishers ( XXXX : XXXX XXXX XXXX ) Violations : FCRA 623 ( a ) ( 1 ) ( A ) reporting inaccurate information FCRA 623 ( a ) ( 3 ) failure to mark account as disputed FDCPA 807 ( 8 ) false or misleading credit reporting FDCPA 809 ( b ) failure to validate the debt Issues : Wrongful collection reporting Unverified balances Misleading status updates No validation upon dispute B. Student Loan Furnishers ( Dept. of Education / Servicers ) Violations : CARES Act 3513 loans in forbearance can not be reported late CARES Act 4021 / 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) delinquency reporting prohibited FCRA 623 ( a ) ( 1 ) ( A ) inaccurate data reporting FCRA 623 ( a ) ( 3 ) failure to correct inaccurate information Issues : Reporting loans as 120 days late during a federally mandated pause Failure to update status to current C. Credit Card Furnishers ( If Included ) Violations : FCRA 623 ( a ) ( 1 ) ( A ) incorrect late payments FCRA 623 ( a ) ( 2 ) failure to investigate when notified FCRA 607 ( b ) lack of accuracy procedures Issues : Incorrect late payments Incorrect balances False derogatory marks D. Auto Loan Furnishers ( If Applicable ) Violations : FCRA 623 ( a ) inaccurate payment history reporting FCRA 611 failure to verify disputed information through the bureau Issues : False delinquencies Misreported repossession status Incorrect payment dates E. Utility / Telecom / Other Furnishers ( If Applicable ) Violations : FCRA 623 ( a ) incorrect account status FDCPA 807 ( 8 ) false reporting Issues : Accounts that do not belong to me Incorrect collection balances Reporting without verification 4. How Equifax Broke Federal Law Because Equifax never picked up or processed my dispute, they violated : FCRA 611 ( a ) no reinvestigation FCRA 611 ( a ) ( 5 ) ( A ) failure to delete unverifiable information FCRA 607 ( b ) unreasonable accuracy procedures FCRA 609 failure to provide a full file disclosure FCRA 623 ( a ) failure to forward disputes to furnishers CARES Act violations tied to student loan misreporting Equifaxs failure directly caused every furnisher to violate their own legal duties, because no furnisher ever received the dispute. 

5. Harm Suffered Due to these violations : I was denied credit I experienced emotional distress while living in a shelter I was unable to maintain certain payments, including child support My ability to obtain stable housing has been affected My credit has been damaged for months 6. Desired Resolution I am not asking for a new 30-day investigation.

Equifaxs failure already voids the timeframe.

Company response to consumer: Closed with explanation