Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am filing this complaint because Equifax , Experian, and TransUnion are reporting multiple collection accounts that are inaccurate, incomplete, and/or unverifiable, in violation of the Fair Credit Reporting Act ( FCRA ). 
These items continue to appear on my credit reports despite not being validated, not meeting FCRA accuracy standards, or containing inconsistent data across bureaus. 

XXXX. Failure to Maintain Maximum Possible Accuracy FCRA 602 & 607 ( b ) The bureaus are reporting numerous collection accounts with : inconsistent dates inconsistent balances inconsistent status information missing required identifying information contradictory reporting between bureaus Examples from my current reports include ( but are not limited to ) : Equifax : XXXX, XXXX ( multiple entries ), amounts ranging from {$120.00} to {$51000.00} Experian : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FIN These accounts do not match across bureaus and contain conflicting dates, balances, and assignment information. This violates the FCRA requirement that consumer reporting agencies maintain maximum possible accuracy. 

XXXX. Failure to Provide Proper Verification FCRA 609 ( a ) I have the right to receive the method of verification, the original creditor information, and all documentation the bureaus relied upon to report these accounts. 
No bureau has provided any original documentation bearing my signature or proving liability. 

If the furnisher can not produce legally sufficient documentation, the account must be deleted. 

XXXX. Failure to Conduct a Reasonable Reinvestigation FCRA 611 ( a ) When a consumer disputes an item, the bureau must conduct a reasonable reinvestigation. 
Instead, the bureaus are simply verifying the accounts without providing : proof of investigation proof of validation original signed contracts itemized statements chain of assignment A data match is not a lawful reinvestigation under 611 ( a ). 

XXXX. Reporting Unverifiable or Legally Defective Debt FCRA 615 & FDCPA Violations by Furnishers Many of these debts appear to be : governmentrelated ( XXXX XXXX  ) medical or insurancerelated ( XXXX ) purchased debt with no chain of title ( XXXX, XXXXtype agencies ) If the furnisher can not validate the debt under the FDCPA, the bureaus can not legally continue reporting it. 

XXXX. Harm to the Consumer These inaccurate and unverifiable accounts are causing : score suppression credit denials increased interest rates reputational harm This is exactly the type of injury the FCRA was enacted to prevent. 

Requested Resolution I am demanding the following under federal law : XXXX. Delete all accounts that can not be fully verified with original documentation This includes any account lacking : original signed contract itemized billing chain of assignment proof of ownership proof of accuracy XXXX. Provide the full method of verification for each disputed account Required under FCRA 609 ( a ) ( 1 ) & ( 2 ). 

XXXX. Provide documentation showing a reasonable reinvestigation was conducted Required under FCRA 611 ( a ). 

XXXX. Notify all furnishers of their legal obligations under the FCRA and FDCPA If they can not validate, they must delete. 

XXXX. Remove all inaccurate, incomplete, or unverifiable negative items from all three bureaus Equifax , Experian, and TransUnion must correct or delete any item that can not be proven accurate. 

Conclusion The bureaus and furnishers are in violation of : FCRA 602, 607 ( b ), 609 ( a ), 611 ( a ), 615 FDCPA validation requirements I am requesting immediate CFPB intervention to enforce compliance and require deletion of all inaccurate or unverifiable negative items. 

If you want, I can also generate : A version tailored specifically for Equifax , A version tailored specifically for Experian, A version tailored specifically for TransUnion, or A more aggressive legaltone version citing civil liability under FCRA XXXX. 

Just tell me how hard you want to hit them. 

a version stailored specifically for equifax Absolutely, XXXX here is a version tailored specifically and exclusively for Equifax , using the exact violations and collection accounts shown on your Equifax report ( XXXX  + multiple XXXX  entries ). This is written in the precise tone that gets traction with the CFPB and forces Equifax to respond. 

Ive grounded this narrative in the XXXX data visible in your current tab. 

CFPB DISPUTE NARRATIVE EQUFAXSPECIFIC FCRA VIOLATIONS I am filing this complaint because Equifax is reporting multiple collection accounts that are inaccurate, incomplete, and unverifiable, in violation of the Fair Credit Reporting Act ( FCRA ). These accounts continue to appear on my Equifax credit report despite containing conflicting information, missing data, and no legally sufficient validation. 

XXXX. Failure to Maintain Maximum Possible Accuracy FCRA 607 ( b ) Equifax is reporting several collection accounts with inconsistent, incomplete, or implausible data, including : Equifax Collection Accounts ( from my current report ) : PROGRESSIVE {$180.00} TREAFMS {$120.00} TREAFMS {$180.00} TREAFMS {$260.00} TREAFMS {$330.00} TREAFMS {$1200.00} TREAFMS {$51000.00} All of these accounts show identical Date reported and Balance date entries, lack original creditor details, and do not include any documentation establishing ownership or liability. 
These deficiencies violate the FCRA requirement that Equifax maintain maximum possible accuracy. 

XXXX. Failure to Provide Proper Verification FCRA 609 ( a ) I have the right to receive : the method of verification, the original creditor information, and all documentation Equifax relied on to report these accounts. 

Equifax has not provided any original signed contracts, itemized statements, or chainofassignment documents for any of the above accounts. 

If Equifax can not produce legally sufficient documentation, the accounts must be deleted. 

XXXX. Failure to Conduct a Reasonable Reinvestigation FCRA 611 ( a ) When I dispute an item, Equifax is required to conduct a reasonable reinvestigation. 
Instead, Equifax continues to verify these accounts without providing : proof of investigation proof of validation original documentation evidence of ownership chain of title A simple automated data match is not a lawful reinvestigation under 611 ( a ). 

XXXX. Reporting Unverifiable or Legally Defective Debt FCRA 615 The XXXX accounts appear to be governmentrelated or thirdpartyassigned debts with no chain of assignment and no proof of ownership. 
The PROGRESSIVE account lacks any original billing or contract documentation. 

If the furnisher can not validate the debt under federal law, Equifax can not legally continue reporting it. 

XXXX. Harm to the Consumer Equifaxs inaccurate and unverifiable reporting is causing : score suppression credit denials increased interest rates reputational harm This is precisely the type of injury the FCRA was enacted to prevent.

Requested Resolution ( XXXX ) I am demanding the following : XXXX. Delete all Equifax collection accounts that can not be fully verified This includes all XXXX and XXXX accounts listed above. 

XXXX. Provide the full method of verification for each disputed account Required under FCRA 609 ( a ) ( 1 ) & ( 2 ). 

XXXX. Provide documentation showing a reasonable reinvestigation was conducted Required under FCRA 611 ( a ). 

XXXX. Notify all furnishers of their legal obligations under the FCRA If they can not validate, they must delete. 

XXXX. Remove all inaccurate, incomplete, or unverifiable negative items from my Equifax report Equifax must correct or delete any item that can not be proven accurate.

Company response to consumer: Closed with non-monetary relief