Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Date : XX/XX/year> To : Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX  XXXX DC XXXX Subject : Formal Complaint and Request for Investigation Equifax Report # XXXX Dear CFPB, I am filing this formal complaint and requesting your assistance in investigating numerous inaccurate, incomplete, and unverifiable negative entries currently being reported by Equifax under my name and Social Security number, as reflected in my credit report dated XX/XX/year> ( Confirmation # XXXX ). 

These accounts include, but are not limited to, the following debt buyers and furnishers : XXXX XXXX XXXX ( Multiple entries ) XXXX XXXX XXXX ( Multiple entries ) XXXX XXXX XXXX XXXX XXXX ( Multiple entries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX debt buyer accounts or accounts in collection Grounds for Dispute : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, credit reporting agencies must ensure that all items of information are complete and accurate. My disputes are based on the following grounds : Lack of Proper Verification : The FCRA requires the furnishers and the credit reporting agency to verify the accuracy of reported information upon request. As of today, none of these furnishers have provided documented evidence such as original signed contracts or detailed billing records that validate the debts reported. 

Violation of 15 U.S.C. 1692g ( FDCPA ) : Debt collectors must provide validation of debt upon request. Many of these debt buyers, including XXXX and XXXX, have failed to validate or respond to previous dispute attempts, which renders continued reporting unlawful. 

Reporting of Re-Aged or Inaccurate Delinquencies : Many of the accounts reflect inconsistent or incorrect dates of delinquency or have been re-aged to continue negatively impacting my credit longer than permitted under 15 U.S.C. 1681c ( a ), which limits the time negative information can remain on a credit report ( typically 7 years ). 

Duplication of Accounts : There are repeated instances of the same debts being reported by multiple debt buyers, which violates the accuracy requirement of the FCRA and artificially inflates derogatory entries on my report. 

Consumer Disputes Ignored : Multiple entries are marked with dispute codes ( e.g., 166, 057, 022 ), yet the disputed accounts continue to be reported as negative without reinvestigation results being shared with me, as required by 15 U.S.C. 1681i ( a ) ( 6 ).

Request for Action : I request that all negative, unverified, duplicated, outdated, or incorrect accounts be permanently deleted from my Equifax credit report. 

I also request confirmation from the CFPB and Equifax that a thorough reinvestigation has been conducted. 

Additionally, please require all furnishers reporting these accounts to provide complete and verifiable documentation or remove the information per the FCRA. 

I am enclosing a copy of the Equifax credit report for your review. 

Thank you for your time and assistance in resolving this matter. I trust the CFPB will help ensure my rights under federal law are upheld. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief