Consumer complaint received 2025-04-30 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: AL

Complaint narrative:
XXXX'Formal Complaint to the CFPB Regarding Equifax and XXXX XXXX XXXXSubject: FCRA and FDCPA Violations  Failure to Respond and Provide Proper Debt Validation\n\nSummary:\nThis is a formal complaint against Equifax and XXXX XXXX XXXX for violating the Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA) by failing to validate a disputed collection account, failing to provide required written results of an investigation, and continuing to report inaccurate information.\n\nDetailsXXXX XXXX XXXX XXXX I mailed certified dispute letters to both Equifax and XXXX XXXX XXXX  regarding an alleged debt reporting on my credit file. The creditor Equifax received it on XXXX XXXX XXXX based on USPS tracking number XXXX XXXX XXXX XXXX XXXX XXXXIn accordance with:\n FCRA 611(a)(1)(A)  A consumer reporting agency must, within 30 days of receiving a dispute, conduct a reasonable investigation to determine whether the disputed information is inaccurate.XXXX FCRA 611(a)(6)(B)(iii)  Upon completion of the investigation, the CRA is required to provide the consumer with written results.\n FCRA 611(a)(5)  If the information cannot be verified, it must be deleted from the consumers credit file.\n\nDespite the passage of more than 30 days, I have not received any written response, results of investigation, or verification documentation from either Equifax or the creditor..\n\nFurthermore, under the FDCPA (15 U.S.C.  1692g(b)), a debt collector must cease collection and provide verification of the debt if the consumer disputes it in writing within 30 days. I explicitly requested the following in my letter:\n The original assignment contract, signed contract, or agreement\n A complete payment history\n The name and contact info of the original creditor\n Proof of the collection agencys legal right to collect\n Explanation of the debt amount and itemized charges\n Confirmation the debt is not time-barred\n Request for cessation of collection activity until validation is complete\n\nNone of these items were provided. Their failure to comply constitutes willful non-compliance with federal law.\n\nRelief Sought:\nI am requesting the immediate deletion of the disputed account from all credit reports due to failure to:\n Respond or provide validation within 30 days (FCRA 611)\n Notify me in writing of the investigation results (FCRA 611(a)(6))\n Properly verify the debt (FDCPA 809(b))\n\nIf the CFPB determines that willful non-compliance occurred, I reserve the right to pursue statutory damages under FCRA 616 (up to $1,000 per violation), actual damages, and attorney fees, should legal action become necessary.\n\nAll certified mail receipts and a copy of my original dispute letter are availableXXXXConclusionXXXXEquifax and the creditor have failed to comply with multiple provisions of the FCRA and FDCPA. They are continuing to report inaccurate and unverified information, causing ongoing damage to my credit profile. I request the CFPB to take immediate action to enforce the deletion of this account and ensure proper compliance moving forward.'

Company response to consumer: Closed with explanation