Consumer complaint received 2025-11-14 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: TX

Complaint narrative:
I am filing this complaint because the credit bureau is reporting multiple charge-off accounts that I have disputed for more than 60 days, and not a single one of them has been verified under the FCRA. The bureau continues to report these items even though none of the furnishers have provided any documentation. The bureau is reporting the following charge-offs XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts include duplicate tradelines with the same account numbers and balances, which violates FCRA 607 ( b ) ( maximum possible accuracy ) and shows the bureau never conducted a real reinvestigation. I disputed each of these items directly with the bureau AND directly with the furnishers, and more than 60 days later, I have not received any of the documents required to legally verify a charge-off.

The bureau and the furnishers have provided no contracts, no statements, no payment ledgers, no charge-off calculations, no Date of First Delinquency documentation, no proof of assignment or ownership, and no Metro-2 compliant reporting records. Instead, the bureau continues to mark these accounts as verified, which is impossible without documentation. 
Since the bureau and the furnishers clearly do not know what verification requires, I am listing it below : To legally verify a charge-off and continue reporting it to a consumers credit file, the bureau and furnisher must have : The original signed credit agreement or application with my signature. 
All monthly billing statements from the date the account was opened through the date it was charged off. 
A complete payment history ledger, showing every charge, every payment, every fee, and every adjustment. 
Charge-off calculation documents showing how the charge-off balance was computed. 
The Date of First Delinquency ( DOFD ) and documents proving the XXXX is correct and matches all Metro-2 fields.

Proof of ownership or assignment, including the full chain of title if the debt was sold ( this is especially critical for LVNV Funding ).

Metro-2 compliant reporting, including accurate payment history coding, status, comments, and dates.

Method of Verification explaining how the furnisher verified the account during the dispute. 
I have received none of these documents not from the bureau, not from First Premier, not from XXXX, not from XXXX, not from XXXX, and not from XXXX XXXX XXXX. 
Continuing to report a charge-off without providing documentation violates : FCRA 611 ( a ) Failure to conduct a reasonable reinvestigation FCRA 607 ( b ) Failure to maintain maximum possible accuracy FCRA 623 ( a ) ( 1 ) ( A ) Furnishing information without the ability to verify FCRA 611 ( a ) ( 5 ) ( A ) Any information that can not be verified must be deleted Because I have disputed repeatedly AND because no documentation has been provided, the bureau is not allowed to continue reporting these items. 
( You can literally google what's considered verification as CRAs you are required by law to validate these debts and in a timely manner-a copy of my credit report is not verification, you saying I claimed identity theft not verification, you playing security freezes not verification, you requesting my documents when I know to send with every dispute not verification.

Company response to consumer: Closed with non-monetary relief