Consumer complaint received 2025-02-02 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: FL

Complaint narrative:
Complaint Against : XXXX XXXX XXXX Issue : XXXX XXXX XXXX continues to inaccurately report and verify an alleged debt as accurate with XXXX, Equifax, and XXXX, despite multiple unanswered disputes and debt validation requests, in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Details of the Complaint : On XX/XX/XXXX, I submitted a debt dispute and validation request via CFPB Complaint # XXXX under the FCRA and FDCPA. 
On XX/XX/XXXX, XXXX XXXX, Director of Compliance at XXXX XXXX XXXX, responded with an inappropriate request for an Identity Theft Affidavit, despite this being a debt validation dispute, not an identity theft claim. 
On XX/XX/XXXX, I filed a follow-up CFPB Complaint ( # XXXX ), reiterating that this was not an identity theft claim but a dispute and demand for debt validation. XXXX XXXX XXXX again responded with the same misleading request, asking for : Proof of residency from XX/XX/XXXX to the present A copy of my government-issued ID/drivers license/passport On XX/XX/XXXX, I sent a Notice of Default to XXXX XXXX XXXX via email, XXXX XXXX XXXX dispute notices and CFPB complaints as evidence. This notice was sent to : XXXX XXXX ( XXXX ) XXXX XXXX XXXX email ( XXXX ) My email for record-keeping ( XXXX, XXXX ) XXXX XXXX XXXX responded again with another request for personal documentation, instead of properly validating the alleged debt. Their repeated refusal to comply with the FCRA and FDCPA suggests they are attempting to gather additional information rather than fulfilling their legal obligation to validate the debt or cease reporting it to credit bureaus. 
On XX/XX/XXXX, I sent a follow-up Notice of Default, now including XXXX attachments of prior dispute notices and CFPB complaints. I again provided 30 days to cure the violation, yet XXXX XXXX XXXX failed to respond. 
On XX/XX/XXXX, I mailed a CERTIFICATE OF DEFAULT / FINAL OPPORTUNITY TO CURE / INTENT TO FILE LAWSUIT via first-class certified mail ( # XXXX XXXX XXXX XXXX XXXX XXXX ). The notice was delivered on XX/XX/XXXX, and yet no response has been received. 
Additional Violations by XXXX XXXX XXXX and XXXX : Despite XXXX XXXX Managements refusal to provide any documentation substantiating their claim, they have also failed to investigate my disputes properly. 
Furthermore, XXXX has verified this alleged debt and account as accurate on XXXX separate occasions, falsely claiming to have properly investigated the matter on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX However, the payment history reported by XXXX is inconsistent with what Equifax verified as accurate on XX/XX/XXXX. 
I have attached the investigation results from both XXXX and Equifax regarding XXXX XXXX XXXX to demonstrate not only a clear failure to properly investigate my dispute but multiple willful and negligent violations committed by XXXX XXXX XXXX and XXXX. 
Violations : XXXX XXXX XXXX and XXXX have committed multiple violations of the FCRA ( 15 U.S.C. 1681 et seq. ) and FDCPA ( 15 U.S.C. 1692 et seq. ), including but not limited to : Failing to properly investigate and respond to my dispute in a timely and legally compliant manner ( FCRA 611 ( a ) ( 1 ) ( A ) ).

Continuing to report inaccurate and unverified information to credit bureaus ( FCRA 623 ( a ) ( 3 ) ).

Engaging in deceptive and misleading collection practices by misrepresenting my dispute as an identity theft claim and repeatedly requesting irrelevant documents ( FDCPA 807 ).

Failing to validate the alleged debt upon request ( FDCPA 809 ( b ) ). 
Willfully and negligently verifying false and inconsistent information across different credit reporting agencies, violating FCRA 623 ( b ) ( 1 ) ( A ), which requires a furnisher to conduct a reasonable investigation of disputed information.

Company response to consumer: Closed with non-monetary relief