Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax Information Services LLC\XXXX XXXX XXXX XXXX Formal Dispute Inaccurate and Misleading Collection Account Reporting\n\nAccount Name: XXXX XXXX XXXX XXXXDear EquifaxXXXX  am writing to formally dispute and demand the immediate deletion of a collection account listed on my credit report under XXXX XXXX This account is being reported inaccurately, deceptively, and without proper verification, in direct violation of the Fair Credit Reporting Act (FCRAXXXX Why the Account Is Inaccurate and UnverifiableXXXX. The account is being reported by XXXX XXXX yet I received a collection email from XXXX XXXX XXXX XXXX) in XXXX XXXX, attempting to collect on this exact same account with a different balanceXXXX XXXX  offered a 15-day settlement for less than the full balance, which suggests the account was either sold or assigned to a third-party collectorXXXX XXXX  has never contacted me directly regarding this debt, and I have not received any documentation proving they are still the owner of this account. If the debt was soldXXXX XXXX  has no legal right to continue reporting it under their nameXXXX. I formally requested debt validation and documentation from XXXX including the chain of assignment, original contract, and proof of ownership, and they failed to respond. Under both the FCRA and FDCPA, a debt that cannot be validated must not be reported or collected.\n\n4. Despite providing proof of third-party collection activity by XXXX  which contradicts the reporting  your bureau has continued to verify this account as accurate. This raises serious concerns about the integrity and legality of your reinvestigation procesXXXX. On XXXX XXXX XXXX a major XXXX  data breach was publicly reported, affecting over 61 million customer records. This breach further undermines the reliability and security of the information XXXX holds and calls into question the accuracy of any debt or identity-based claims associated with my nameXXXXMy DemandsXXXX  am formally demanding the following:\n\nImmediate deletion of the XXXX XXXX account from my credit report under FCRA  611 due to:\n\na. Lack of verification of ownership\n\nb. Conflicting balance and collector activity\n\nc. Unverified and deceptive third-party collection tacticXXXX  A copy of the full method of verification, includingXXXX Who verified the accountXXXX The date and method of verificationXXXX Documentation usedXXXX  Whether XXXX  or XXXX  currently owns the debXXXX A certified copy of any documentation in your records that substantiates the debt, including:XXXX  The original signed contractXXXX  Chain of assignmentXXXX The identity of the collector authorized to collect or reporXXXXf this account cannot be fully and accurately verified with original documentation, it must be immediately deleted from my credit report in accordance with federal law.XXXXThank you for your prompt attention. Please send me a response within the 30-day window, including the results of your reinvestigationXXXX XXXX

Company response to consumer: Closed with explanation