Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax Information Services LLC is reporting a collection account furnished by XXXX XXXX XXXX XXXX XXXX ( account ending XXXX XXXXXXXX ) that is inaccurate, misleading, and unverifiable, in violation of the Fair Credit Reporting Act ( FCRA ). 

I disputed this collection account with Equifax. On XX/XX/XXXX, Equifax concluded its reinvestigation and stated that the account was verified, while only modifying reporting fields such as balance date and status date. Equifax did not provide documentation substantiating the accuracy or legal validity of the underlying debt ( XXXX XXXX XXXX ). 

Equifaxs reinvestigation was unreasonable and failed to comply with 15 U.S.C. 1681e ( b ) and 1681i for the following reasons : 1. Another consumer reporting agency deleted the account as unverifiable.

XXXX  investigated the same collection account and deleted it in its entirety following review ( XXXX XXXX XXXX ). Once another CRA deletes a tradeline as unverifiable, Equifax is on notice that continued reporting requires documented, independent verification. No such verification was provided. 

2. The furnisher failed to validate the debt after a timely certified dispute.

The furnisher received a timely, certified written dispute dated XX/XX/XXXX and received XX/XX/XXXX. Despite this, the furnisher provided only an incomplete itemization totaling approximately {$2000.00} and failed to supply any contract, judgment, or full accounting substantiating the alleged balance ( XXXX XXXX XXXX ). Under these circumstances, the debt was not capable of accurate verification. 

XXXX. Material balance discrepancies remain unresolved. 
The alleged balance has been reported inconsistently : {$12000.00} per XXXX XXXX  XX/XX/XXXXXXXX  correspondence versus {$12000.00} as later reported by the furnisher. The {$370.00} discrepancy has never been explained or reconciled. Equifaxs reinvestigation did not address or resolve this inconsistency, further demonstrating that the tradeline is unreliable and incomplete. 

4. Equifax relied on furnisher attestation rather than reasonable verification. 
Equifaxs dispute results show that the account was deemed verified despite the absence of documentary proof and despite the unresolved dispute documented in a prior CFPB complaint against the furnisher ( XXXX XXXX XXXX ). Updating reporting fields or relying solely on furnisher certification does not constitute a reasonable reinvestigation when the accuracy of the debt itself is in question. 

5. Equifax was placed on explicit notice of these deficiencies and failed to correct them.

After receiving Equifaxs dispute results, I sent a formal reinvestigation escalation letter notifying Equifax that the account was inaccurate and unverifiable due to the above facts and requesting deletion absent competent verification ( XXXX XXXX XXXX  ). Equifax has continued to report the account.

Under the FCRA, once a consumer reporting agency has notice that information may be inaccurate or unreliable, it may not continue reporting that information without reasonable procedures to assure maximum possible accuracy. Equifaxs continued reporting of this collection account, despite deletion by another CRA and the furnishers failure to validate the debt, violates these obligations.

Requested Resolution : I am requesting that Equifax : Delete the collection account immediately from my credit file ; and Correct my credit report to reflect only accurate and verifiable information. 

Attached are the following exhibits supporting this complaint : XXXX XXXX XXXX Deletion Confirmation XXXX XXXX  CFPB Complaint, Company Response, and Rebuttal ( XXXX XXXX XXXX ) XXXX  XXXX Equifax Dispute Results XXXX XXXX Equifax Reinvestigation Escalation Letter This complaint concerns Equifaxs failure to conduct a reasonable reinvestigation and its continued reporting of an unverifiable collection account in violation of the Fair Credit Reporting Act. 

XXXX XXXX

Company response to consumer: Closed with explanation