Consumer complaint received 2025-06-13 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:
I would like to file complaint against Equifax for noncompliance and reporting inaccurate accounts on my credit report. I've sent many disputes and they're sending me responses saying they haven't received new information so the dispute is frivilous which isn't true. I've sent many disputes and have NOT gotten my method of verification which I've requested since XXXX, XXXX. The following are documented inaccuracies on these accounts : XXXX XXXX XXXX XXXX 1.Reporting of a balance on a collection account ( inappropriate and misleading ).

2.Account stat
us marked as open which is false ; collection accounts should not be listed as open.

3.Different dates of first delinquency across all three CRAs, violating

FCRA 1681e ( b ). 4.Inconsistent or false reporting of the Date of Last Update and High Credit fields.

5.The failure to conduct a proper reinvestigation per FCRA 1681i ( a ) ( 1 ) ( A ) and the improper rejection of disputes under 1681i ( a ) ( 3 ) ( A ). 


Additionally, Equifax is currently the subject of federal litigation regarding the failure to respond adequately to disputes, and your continued inaction may expose you to liability under FCRA, FDCPA, and Regulation F.

There's more Violations and Concerns : 1. Inconsistent and inaccurate reporting : The dates associated with this account differ across your credit bureau and others. This directly contradicts FCRA 607 ( b ), and it impacts my credit score unfairly.

2. Violation of the Servicemembers Civil Relief Act ( SCRA ) : Under 50 U.S.C. 3937, I am afforded protections under the SCRA which limit certain credit reporting activities for servicemembers. This collection account does not constitute a permissible purpose, especially for a telecommunications account. If XXXX or any third party obtained or reported this information during a period of XXXX XXXX without proper authorization, this is a serious violation of my rights under federal law.

3. Fair Debt Collection Practices Act ( FDCPA ) violations : If this collection is being reported or pursued by a debt collector, then the account may be in violation of : FDCPA 807 ( 15 U.S.C. 1692e ) Prohibits false, deceptive, or mi
sleading representation of the character, amount, or legal status of any debt.

FDCPA 809 ( 15 U.S.C. 1692g ) Requires proper validation of debt within 5 days of initial contact.

Regulation F ( 12 CFR 1006.34 ) Outlines validation notice requirements. If this debt has not been properly validated, any continued reporting is improper. 

Failure to Provide Method of Verification FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) What it says : If the reinvestigation finds the disputed information to be accurate, the consumer reporting agency must provide a description of the procedure used to determine the accuracy and completeness of the information at the consumers request. 

I requested this information multiple times, in writing and by phone. 

Equifax refused to provide the method of verification, Representative XXXX XXXXXXXX has stated on the phone XX/XX/year> at XXXX ; XXXX violating this section.

2. Failure to Conduct a Reasonable Reinvestigation FCRA 611 ( a ) ( 1 ) ( A ) 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) What it says : If a consumer disputes the accuracy of information, the agency must conduct a reasonable reinvestigation to determine whether the information is inaccurate. 


Equifax appears to be rubber-stamping your disputes with templated responses and failing to actually reinvestigate, which is a violation of this section.

3. Failure to Delete or Correct Inaccurate Information FCRA 611 ( a ) ( 5 ) ( A ) 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) What it says : If, after a reinvestigation, information is found to be inaccurate, incomplete, or unverifiable, the credit bureau must delete or modify that information.

I believe Equifax is giving me vague replies and not responding to my specific dispute points or documents, you'll may not be forwarding my evidence to the furnisher, violating this section.

5. Potential Violation by the Furnisher If Equifax is relying on a data furnisher ( like XXXX XXXX or another creditor ), and that furnisher is reporting inaccurate info : FCRA 623 ( b ) 15 U.S. Code 1681s-2 ( b ) What it says : Furnishers must investigate disputes forwarded to them by a credit bureau , and report results accurately. If they can not verify, they must correct or delete the data. 



If Equifax is falsely claiming that the furnisher verified the data without any supporting documentation, and they won't tell you how, both parties may be in violation.

I am demanding the following : 1. Immediate deletion of the inaccurate XXXX XXXX account.

2. Full method of verification including name, contact info, and procedures used.

3. Written confirmation that my dispute has been fully and properly reinvestigated. 

I will attach the letters I've received, also the credit reports showing different closing dates on Equifax, and XXXX. I will provide my driver 's license and SS card for identity purposes. 


If these requests are not fulfilled within 15 days, I will be forced to take legal action, and potentially a lawsuit for statutory damages under the FCRA and FDCPA Thank you, XXXX XXXX

Company response to consumer: Closed with explanation