Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint because Equifax has failed to verify ANY of the disputed accounts below, despite receiving disputes for over 60 days. Instead of providing documentation, Equifax sent : Copies of my credit report ( which is NOT verification ) Fraud/identity-theft language I NEVER claimed Third-party dispute stall letters No validation, no contracts, and no supporting documents I have never claimed identity theft, I am not using a third party, and I have repeatedly requested removal of your fraud alerts. I have also sent Equifax multiple documents to update my personal information, and you still have not updated it.

A credit report printout is NOT verification under FCRA 1681i ( a ) or 1681e ( b ).

Below are the issues with each account : A. XXXX Late Payment Acct # XXXX {$0.00} Balance Reporting a late payment with a {$0.00} balance is hearsay without payment-proof documentation.

To verify a late payment, Equifax must obtain : Actual due date Date payment was received Date payment was posted Full payment ledger DOFD Metro-2 compliant payment coding Equifax has NONE of these documents.

B. XXXX XXXX MULTIPLE DISCREPANCIES ACROSS ALL THREE BUREAUS Account # XXXX Equifax reports ONE version of the XXXX XXXX tradeline but XXXX is reporting the SAME debt three different ways across XXXX  and XXXX  : 3 Different Company Names XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 2 Different Balances {$1600.00} {$1600.00} 2 Different Account Numbers XXXX XXXX XXXX  is furnishing mixed data, incorrect balances, duplicate tradelines, and different account numbers to different bureaus.

This is a violation of : FCRA 1681e ( b ) accuracy requirement FCRA 1681i ( a ) reinvestigation FCRA 1681s-2 ( b ) furnisher verification FDCPA 1692e ( 2 ) false representation of debt Metro-2 one account = one tradeline REQUIRED TO VERIFY A COLLECTION XXXX  and Equifax must provide : Original XXXX XXXX XXXX contract Full payment/billing ledger Itemized balance calculation Proof of legal ownership/assignment DOFD All Metro-2 fields Equifax provided NONE of these .

C. XXXX ( XXXX XXXX XXXX ) Acct # XXXX {$830.00} Medical Collection This medical collection requires HIPAA-compliant validation.

To verify a medical debt, Equifax must obtain : Original itemized medical billing XXXX  codes Dates of service Full billing ledger Proof of assignment to XXXX DOFD Metro-2 reporting fields Equifax has NONE of these documents yet continues reporting the account.

D. XXXX XXXX TWO CHARGE-OFFS Acct # XXXX {$950.00} Charge-off Acct # XXXX {$780.00} Charge-off Both charge-offs require : Original signed contract Full payment ledger Charge-off ledger Itemized balance calculation DOFD Metro-2 verification Equifax has not obtained ANY verifiable documentation for either account.

E. XXXX XXXX  Acct # XXXX {$1000.00} Charge-off A charge-off can not be reported unless Equifax obtains : Contract Billing/payment ledger Charge-off worksheet DOFD Metro-2 accuracy fields Equifax provided NO documentation .

F. XXXX Acct # XXXX {$260.00} Charge-off This account still has : No contract No ledger No DOFD No charge-off calculation No Metro-2 verification G. XXXX Acct # XXXX {$0.00} Charge-off A {$0.00} charge-off still requires full verification under the FCRA, including : Contract Ledger DOFD Charge-off records Metro-2 fields Equifax did not provide ANY documentation.

LEGAL VIOLATIONS BY EQUIFAX FCRA Violations 1681i ( a ) failure to reinvestigate 1681e ( b ) failure to maintain maximum possible accuracy 1681s-2 ( b ) furnisher verification failures FDCPA Violations ( collection accounts ) 1692g ( b ) continued collection without validation 1692e false representation of amount/creditor Metro-2 Violations Duplicate reporting Mixed creditor names Different balances for same debt Missing DOFD Missing required data fields Inconsistent account numbers Equifax has provided zero verification for ANY of these accounts.

Company response to consumer: Closed with explanation