Consumer complaint received 2025-03-26 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: FL

Complaint narrative:
I am submitting this formal dispute regarding inaccurate information reflected on my credit report. Specifically, the account associated with XXXX XXXX XXXX XXXX XXXX misreported. EXPERIAN TRANSUNION AND EXQUIFAX erroneously list XXXX XXXX XXXX XXXX XXXX creditor for these accounts that been charged off but, whereas the actual owner is XXXX XXXX XXXX XXXX XXXX XXXX 

These accounts were sold and securitized, as evidenced by the Pooling and Servicing Agreement filed with the Securities and Exchange Commission, along with the corresponding XXXX  number XXXX identifying the ownership of the asset is not only a security but is currently being traded. 

XXXX XXXX XXXX XXXX XXXX XXXX a distinct legal entity, separate from XXXX XXXX XXXX possessing a different Tax Identification Number and operating as a trust company rather than a finance company. Upon selling the account/note/retail agreement, XXXX XXXX XXXX relinquished its rights as the creditor, retaining only the role of servicer. Consequently, all rights related to collection and credit reporting were transferred to XXXX XXXX XXXX XXXX XXXX XXXX well and all of this information is found in their pooling and servicing agreement online with Securities Exchange Commission. 

EXPERIAN TRANSUNION AND EXQUIFAX has continued misuse my credit report by the continuance of inserting inaccurate information of allowing XXXX XXXX XXXX to continue to report material misrepresentation of the accounts true ownership.

Pursuant to the Fair Credit Reporting Act ( FCRA ).

I formally challenge the validity of any alleged debt obligation when the underlying account has been actively traded on the secondary market and is now owned by a separate entity and has been since XXXX of XXXX, XXXX. The continued reporting of these accounts under the original creditor constitutes a material misrepresentation of its ownership and status, thereby causing undue harm to my credit profile. 

Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are legally obligated to conduct a thorough investigation and rectify any inaccurate information contained within my credit report. These accounts has remained in dispute for over two years, yet they have failed to properly investigate and correct the reporting discrepancies.

Due to their continued failure to validate the accuracy of these accounts, I obtained a forensic audit conducted by a XXXX XXXX with XXXX terminal XXXX, who is prepared to testify under penalty of perjury that XXXX XXXX XXXX does not own these accounts, note, or retail installment contract, as it was sold to XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX of the XXXX in the year of XXXX. 

Given that this critical information was obtained within weeks, their prolonged failure to properly investigate and correct this misrepresentation is unjustifiable. I demand the immediate deletion of these accounts from my credit report without further delay XXXX this inaccurate information not be removed immediately from my credit report due to these discrepancies, I will pursue all available legal remedies to enforce compliance with federal law and seek appropriate relief for any damages incurred as a result of your organization continued failure to uphold your statutory obligations.

Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I expect the removal to be processed within the 15-day timeframe mandated by law. Attached is the chain of title sourced directly from the Pooling and Servicing Agreement filed with the Securities and Exchange Commission ( SEC ), as well as the XXXX  number confirming that these accounts were sold to XXXX XXXX XXXX XXXX XXXX XXXX 

As this information originates from official SEC filings submitted by XXXX XXXX XXXX XXXX XXXX claim that these records are inaccurate would necessitate a comprehensive reinvestigation to determine the true owner of the account versus the servicer, including an analysis of the rights transferred upon securitization. 

Should these accounts be improperly verified despite the clear evidence provided, all parties will be added as a defendant in ongoing litigation for damages resulting from the continued inaccurate reporting that has materially impacted my credit standing and financial well-being. 

Attached is the letter sent to each agency as well information provided from their pooling and service agreement and my forensic audit.

Company response to consumer: Closed with non-monetary relief