Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am submitting this complaint to dispute and formally report a pattern of misconduct by XXXX XXXX XXXX ( XXXX ) related to their handling of a collection account attributed to me. XXXX has repeatedly violated the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and the XXXX XXXX XXXX and Regulation of Collection Practices Act ( XXXX ). These violations involve : XXXX. The continued reporting of inaccurate, incomplete, and misleading information. 

XXXX. Failure to conduct proper investigations following disputes. 

XXXX. Misrepresentations of my legal rights and responsibilities. 

XXXX. Failure to correct or delete demonstrably false credit reporting data. 

TSIs conduct has resulted in compounding financial harm, housing instability, and emotional distress over an extended period of time from XX/XX/year> through present. Below is a detailed list of the legal violations and misconduct I experienced : Summary of Violations XXXX. No Timely Validation Notice ( FDCPA XXXX ( a ) ; XXXX U.S.C. XXXX ( a ) ) XXXX failed to provide a validation notice within 5 days of initial contact. 
XXXX. Continued Collection Without Validation ( FDCPA 809 ( b ) ; 15 U.S.C. 1692g ( b ) ) XXXX continued furnishing the debt to CRAs after I requested validation, without properly validating the debt. 
XXXX. Unfair, Unconscionable Collection Practices ( FDCPA 808 ; 15 U.S.C. 1692f ) XXXX reported inaccurate data to CRAs and failed to correct it after notice. 
XXXX. Inconsistent Date of First Delinquency ( FCRA 623 ( a ) ( 5 ) ; 15 U.S.C. 1681s-2 ( a ) ( 5 ) ) XXXX reported different DoFDs to each CRA, rendering the account incomplete and misleading.

5. Failure to Investigate Direct Disputes ( FCRA 623 ( b ) ( 1 ) ( B ) ; 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( B ) ) XXXX substituted its debt validation process for a true FCRA investigation, violating their obligations.

6. Verified Inconsistent DoFDs as Accurate ( FCRA 623 ( b ) ( 1 ) ( E ) ) XXXX failed to correct or delete inconsistent DoFDs, even after acknowledging the dispute. 
XXXX. Ignored Indirect Disputes from CRAs ( FCRA 623 ( b ) ( 1 ) ( B ) ) XXXX did not conduct reasonable investigations after receiving disputes from the CRAs. 
XXXX. Ignored Deletion by Experian ( FCRA 623 ( b ) ( 1 ) ( D ) ; FDCPA 1692e ( 8 ) ) Even after Experian deleted the account following my dispute, XXXX failed to notify Equifax and TransUnion or stop reporting inaccurate data. 
XXXX. Knowingly Reported False Information ( FCRA 623 ( a ) ( 8 ) ( E ), 623 ( b ) ( 1 ) ( E ) ) XXXX continued furnishing data they knew or had reason to believe was false. 
XXXX. Lack of Required Written Policies ( 12 C.F.R. 1022.42 ( a ) - ( c ) ) XXXX failed to establish or maintain written policies to ensure reporting accuracy. 
XXXX. Violation of Appendix XXXX XXXX ( m ) XXXX lacked procedures to comply with applicable FCRA requirements. 
XXXX. Violation of Appendix XXXX XXXX ( h ) XXXX did not have procedures to update or delete inaccurate information. 
XXXX. Furnishing of Unverifiable Information XXXX reported data that conflicted with its own documentation and failed to correct known discrepancies. 
XXXX. Misrepresentation of My Legal Rights ( MCL XXXX ( XXXX ), ( f ) ; XXXX XXXXXXXX ( f ) ) XXXX falsely claimed I was responsible for resolving reporting errors they created or failed to correct. 
XXXX. False Statements About Ability to Correct Reports ( MCL XXXX ( XXXX ) XXXX XXXX XXXXXXXX ( XXXX ) ) XXXX claimed it could not alter data it had furnished, misrepresenting its role. 
XXXX. Omission of Required Corrective Actions ( MCL XXXX ( XXXX ), ( f ) ; XXXX XXXXXXXX ( f ) ) XXXX told me and regulatory agencies it had taken all required actions, while continuing to furnish inaccurate information. 
XXXX. Failure to Prevent Ongoing Violations ( XXXX XXXXXXXX ( q ) ) XXXX did not implement procedures to prevent its employees from violating the law. 
XXXX. Multiple Violations of XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ), ( f ), ( q ) ) XXXX : Made deceptive and misleading statements. 
Misrepresented legal rights and obligations. 
Failed to prevent employee violations by lacking oversight and training. 

XXXX conduct, including furnishing inaccurate information to CRAs, misrepresenting the complainants legal rights, and failing to comply with investigatory obligations under the FCRA, has caused signicant harm to the complainants creditworthiness and reputation. This conduct has severely impacted the complainants housing stability, employment opportunities, and caused signicant emotional distress, particularly because the complainant was already vulnerable due to similar misconduct by other data furnishers

Company response to consumer: Closed with non-monetary relief