Consumer complaint received 2025-07-03 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 submitting this formal complaint against Equifax for continued reporting of inaccurate and harmful information on my credit report despite my repeated attempts to dispute the erroneous data. The account in question is causing significant damage to my creditworthiness and violating my rights under federal law. Equifax has failed to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ), specifically under XXXX XXXX. XXXX and XXXX ( b ), by continuing to report unverifiable and incomplete information. The specific account is as follows : XXXX XXXX XXXX Account Number : XXXX * Date Opened : XX/XX/year> High Balance : {$2400.00} Status : Collection Issue : This account is being reported inaccurately and is not my legal responsibility. I have never had any verifiable business relationship with this company. There has been no valid contract or documentation provided that confirms my consent or agreement to any financial obligation with XXXX XXXX XXXX. The information being reported is incomplete, lacks proper validation, and is not being verified as accurate before reporting, violating the Fair Credit Reporting Act. Equifax failed to conduct a reasonable investigation into my prior dispute regarding this account, and continued reporting of this derogatory mark is unjust and misleading. 
Violations of XXXX : XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) : When a consumer disputes information, the credit reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
XXXX XXXX XXXX XXXX ( b ) : Equifax must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
XXXX XXXX XXXX XXXX ( a ) ( XXXX ) : If the information is found to be inaccurate or can not be verified, the credit bureau must delete or correct that item of information promptly. 
Story : Despite my repeated efforts to have this illegitimate account removed, Equifax has chosen to neglect my consumer rights and continues to report a debt that I do not owe. I have never received any valid proof of this debt, no original contract, and no chain of title showing ownership of the alleged debt. This is a clear case of inaccurate reporting which has severely impacted my ability to access credit, housing, and financial opportunities. I am suffering harm daily due to this derogatory entry which is both inaccurate and unverifiable. Equifaxs failure to properly investigate and delete this unverifiable information is not only negligent but also a clear violation of my rights under federal law. I demand immediate removal of this account from my credit report, a full reinvestigation, and a written explanation of how this information was verified and determined to be accurate. If this matter is not resolved promptly, I will be seeking further legal remedies for non-compliance, negligence, and damages incurred. 
Requested Resolution : Permanent deletion of the account NATIONAL CREDIT SYSTEM Account # XXXX * from my Equifax credit report, a reinvestigation summary, and written confirmation of action taken in accordance with FCRA guidelines.

Company response to consumer: Closed with non-monetary relief