Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed an inaccurate charge-off from XXXX XXXX XXXX XXXX XXXX ) on my Equifax credit report XXXX XXXX XXXX 1. Dispute filed on XX/XX/XXXX No proper resolution. 
2. Dispute filed on XX/XX/XXXX No proper resolution. 
3. Dispute filed on XX/XX/XXXX No proper resolution. 

Despite multiple disputes, Equifax has failed to properly investigate or resolve this matter in accordance with the Fair Credit Reporting Act ( FCRA ). Equifax has also reinserted this charge-off without proper notification, refused to provide verification documentation upon request, and exceeded the legally allowed dispute timeframe multiple times. 

Violations of Federal Law 1.Failure to Complete Dispute Investigations in a Timely Manner ( FCRA 1681i ( a ) ( 1 ) ( A ) ) The FCRA mandates that credit bureaus must complete an investigation within XXXX days. 
Equifax has exceeded this timeline XXXX times without resolution. 

2.Failure to Remove an Unverified Account ( FCRA 1681i ( a ) ( 5 ) ( A ) ) If a furnisher can not verify a disputed item, the credit bureau must delete it.

Equifax has not provided any proof that XXXX properly verified this charge-off, yet it remains on my report. 

3.Illegal Reinsertion of a Previously Deleted Account ( FCRA 1681i ( a ) ( 5 ) ( B ) ) Equifax previously removed this charge-off but later reinserted it without notifying me in writing within XXXX business days, a direct violation of federal law. 
This failure to notify makes the reinsertion invalid, and the charge-off must be permanently deleted. 

4.Failure to Provide Verification Documents Upon Request ( FCRA 611 ( a ) ( 1 ) ( A ) ) When I contacted Equifax to request documentation proving XXXX verified this charge-off, Equifax refused to provide any verification over the phone and instead stated that I must submit a written request. 
This refusal violates my right to receive verification upon request under FCRA. 

Equifaxs Contradictory Statements and Mishandling of Previous Complaints I previously filed a CFPB complaint ( Case # XXXX ) regarding the removal of this charge-off. Equifax initially confirmed the account was removed, but they have now reinserted it without the required written notice. Additionally, when I again requested verification, Equifax refused to provide documentation unless I submitted a written request, which is not in compliance with the FCRA. This pattern of noncompliance and obstruction demonstrates a clear failure to uphold federal consumer protection laws. 

Requested Resolution : 1.Permanently delete the XXXX XXXX XXXX charge-off from my Equifax credit report.

2.Provide written confirmation of the deletion.

3.If Equifax refuses to remove the charge-off, provide the exact documentation used to verify the debt, including signed agreements, billing statements, or any other proof of verification from XXXX. 

Failure to comply will result in further legal escalation, including additional complaints with the FTC, XXXX XXXX XXXXXXXX XXXX, and potential legal action under FCRA 1681n for damages.

Supporting Evidence ( Attached ) : Equifax credit report ( XX/XX/XXXX ) still showing charge-off after multiple disputes Equifaxs previous letters and responses confirming reinsertion without notice Credit report showing that the charge-off was removed I expect immediate resolution of this matter in compliance with federal law.

Company response to consumer: Closed with explanation