Consumer complaint received 2025-06-02 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: NM

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NM XXXX XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Re : Final Dispute Notice Ongoing Willful Reporting of Unverified Collection Account Furnisher : XXXX XXXX XXXX / XXXX XXXX XXXX of XXXX Amount : {$1800.00} Assigned Date : XX/XX/XXXX Date Reported : XX/XX/XXXX Equifax Account Status : Unpaid To Equifax Compliance Department, This is my third formal dispute of the above-referenced collection account. Despite two previous written disputes, Equifax has knowingly and repeatedly continued to report this unvalidated and unverified account from XXXX XXXX XXXX, originally associated with XXXX XXXX XXXX of XXXX 

At this stage, your continued reporting constitutes willful noncompliance with the Fair Credit Reporting Act, particularly 15 U.S.C. 1681i ( a ) ( 1 ) : Failure to conduct a reasonable reinvestigation after notice of dispute.

15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Continuing to report information that is unverifiable. 
Equifax has received no lawful validation or verification from the furnisher, and I have received no legally sufficient response from Collection Resources Inc as required under FDCPA 1692g ( a ). Reporting a debt that has not been validatedafter repeated notice from the consumeris more than negligent ; it is intentional.

Additionally, the debt is being reported without a verified date of first delinquency, without an itemized breakdown of charges, and witho
ut any chain of title or assignment. These omissions violate Metro 2 compliance standards and further confirm that the information being reported is both incomplete and inaccurate.

Formal Demands You are now formally instructed to Immediately delete this tradeline from my Equifax credit file. 
Provide written confirmation that this account has been removed due to failure to validate. 
Refrain from re-reporting this account unless you receive and validate a complete, legally compliant file from the furnisher, including a signed agreement, title transfer documentation, and full charge breakdown. 
Notice of Intent to Escalate If Equifax continues to report this unverifiable and disputed account, I will take the following actions without further notice File complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the New Mexico Attorney Generals Office.

Pursue legal remedies under FCRA 1681n, which allows for statutory damages, actual damages, punitive damages, and attorneys fees for willful noncompliance. 
Document your noncompliance as part of any future litigation or enforcement action. 
You are now in possession of sufficient information to require deletion. Continuing to report this debt after multiple disputes and in the absence of legal validation is not defensible. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief