Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
b"Complaint: unsatisfactory investigation and into my collection's accounts by Equifax  \n\n \n\n Re: I disputed this collection accounts Equifax did an unsatisfactory investigation, instead of removing the collections accounts from credit report accounts were updated as a closes accounts.  \n\n \n\nI received and Email from Equifax to review the results of my disputed collection accounts after I reviewed my credit report, I noticed that Equifax didnt investigate or verify the accuracy of the information before reporting and updated my credit report. \n\n I formally disputed the validation of debt in witting and submitted a request for full validation under the Fair Debt collection Practices Act (15 U.S. C & 1692g), My letter clearly asked for documentation including:  \n\nProof that XXXX XXXX XXXX  and XXXX XXXX XXXX have the legal right to collect this debt, including a copy of the signed contract or agreement between me and original creditor.  \n\n A complete chain of custody of the Bank showing the transfer of ownership of the debt from the original creditor to them.  \n\n A complete list of previous owners of this debt if it was sold or transferred or charge-off.  \n\n Proof of accuracy, copies of any documents you used to verify the debt before reporting it to credit bureaus and sue me.  \n\n An Affi dative from an original creditor representative confirming the debt's validity.  \n\n Proof that they were licensed to collect in my State.  \n\n A copy of any judgment that grants them the authority to collect.  \n\nDespite my timely disputed and requested validation  of debt, neither Equifax, XXXX XXXX XXXX and XXXX XXXX XXXX  responded with the required documentation, instead Equifax  updated my credit report and reported the collection accounts  as close accounts, This  unverifiable collections accounts constitutes a violation of the Fair Credit Reporting Act (15 U.S.C & 1681s-b(b),  Equifax is  legally obligated to investigate and verify the accuracy of the information before reporting or continuing to report it.  \n\nTheir unsatisfactory investigation leaves me dealing with the consequences of incorrect information for years to come. \n\n \n\n The law is unequivocal: Debt collectors must provide comprehensive documentation substantiating the debts validity upon a consumer written request. \n\n \n\nAs today the collections accounts remain on my credit report as closed accounts without validation, I am experiencing harm to my credit profile and financial standing due to unlawful reporting it  \n\n \n\n This behavior reflects noncompliance with the Federal Consumer Protection laws, and I am requesting that CFPB investigate this matter and hold the collectors and Equifax accountable for:   \n\n\n\n  Delete all the collection accounts from Equifax credit bureau due to failure to validate.  \n\n Compensate for any harm caused by inaccurate reporting. If applicable.  \n\n   \n\n \n\nSincerely,  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation