Consumer complaint received 2025-04-09 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: AR

Complaint narrative:
To Whom It May Concern, I, XXXX XXXX, am submitting this formal complaint against XXXX XXXX and the credit reporting agencies TransUnion and Equifax regarding ongoing violations of consumer protection laws. Despite XXXX recent deletion of this account due to its outdated status, TransUnion and Equifax continue to report inaccurate and unverifiable information about this account ( Account XXXX : XXXX ) on my credit reports. 

Key Issues Outdated Negative Information ( FCRA 1681c ) : This account is outside of the 7 years age as of XX/XX/year>. Under FCRA 1681c ( a ) ( 4 ), negative information such as charge-offs or delinquencies must not be reported beyond 7 years from the date of first delinquency. 

XXXX has already deleted this account due to its outdated status, as noted in my personal credit report. TransUnion and Equifaxs continued reporting violates federal law.

Failure to Properly Validate Debt ( FDCPA 1692g ) : XXXX XXXX has failed to provide proper validation of the alleged debt despite my requests. Specifically, they have not provided : A copy of the original signed agreement. 

Documentation showing the chain of ownership of the debt. 

A detailed accounting of the alleged debt, including any fees or interest applied. 

Their response merely stated that the debt was " verified '' without providing substantive evidence, which violates FDCPA requirements. 

XXXX XXXX XXXX Credit Bureaus ( FCRA XXXX ( b ) ) : While XXXX has deleted this account following investigation, TransUnion and Equifax continue to report it inaccurately. This inconsistency raises concerns about compliance with FCRA 1681e ( b ), which requires credit reporting agencies to ensure maximum possible accuracy in their reports. 

Failure to Conduct Reasonable Investigations ( FCRA XXXX ) : Both TransUnion and XXXX have failed to conduct reasonable investigations into my disputes regarding this account, as required under FCRA 1681i ( a ). Their continued reporting of inaccurate and outdated information suggests noncompliance. 

XXXX XXXX on XXXX : XXXX XXXX response requires me to visit a branch location to obtain copies of loan documents, placing an unreasonable burden on me to validate the debt they claim I owe. This practice is inconsistent with FDCPA requirements for debt validation ( XXXX ). 

Requested Actions I respectfully request that the CFPB take the following actions : Investigate Credit Centrals reporting practices and require them to : Provide documented proof of debt ownership and validation, including the original signed agreement and detailed accounting records. 

Explain why this account continues to be reported beyond the permissible XXXX period under FCRA 1681c ( a ) ( 4 ). 

Require TransUnion and Equifax to delete this account from my credit reports due to its outdated status under FCRA 1681c ( a ) ( 4 ) and its unverifiable nature as demonstrated by XXXX deletion. 

Investigate potential systemic violations by XXXX XXXX related to their failure to comply with consumer protection laws such as FCRA and FDCPA. 

Impose appropriate penalties on XXXX XXXX for confirmed violations of consumer protection laws, including FCRA 1681e ( b ) for inaccurate reporting and FDCPA 1692g for failure to validate debt. 

Conclusion The continued reporting of this outdated and inaccurate information by XXXX XXXX, TransUnion, and Equifax is causing harm to my creditworthiness and financial opportunities. I urge the CFPB to investigate these violations promptly and ensure compliance with federal consumer protection laws. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief