Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear : CFPB Between XX/XX/year>, and XX/XX/year>, I received repeated notifications from Equifax stating that they could not locate my consumer credit file, despite my submission of the proper identifying information. During this same period, an unauthorized XXXX XXXX XXXX ( ending in XXXX ) continued to be reported on my consumer credit report without my consent or valid verification. 

This XXXX XXXX XXXX  was previously disputed through the CFPB XXXX under Complaint Reference Number XXXX on XX/XX/year>. Despite that dispute, no proper verification was ever provided by XXXX XXXX, and Equifax has continued to report this account in violation of both federal and state consumer protection laws. 

XXXX XXXX has failed to provide any legally sufficient documentation ( such as a signed application, original contract, or proof of ownership or debt obligation ). Equifax, in turn, has failed its duty under the Fair Credit Reporting Act ( FCRA ) to : conduct a proper reinvestigation ( FCRA 1681i ), provide me a full and accurate copy of my consumer credit file ( FCRA 1681g ), and ensure furnishers respond properly ( FCRA 1681s-2 ( b ) ). 

Furthermore, Equifax and XXXX XXXX have failed to follow XXXX XXXX and XXXX  compliance procedures. Specifically, the disputed XXXX XXXXXXXX XXXX was not properly marked with the required Compliance Condition Code XB, which indicates that the account is under active dispute. This is required under XXXX XXXX Guidelines and is a vital protection for consumers during investigations. If the account was instead marked with XC or XH prematurely indicating the dispute was completed or the data remains unchanged that would be an improper and deceptive practice in violation of FCRA 1681s-2 ( b ). 

The continued use of stall tactics and the failure to provide me a consumer report, while simultaneously maintaining derogatory, unverified data, shows a pattern of noncompliance with XXXX XXXX standards, negligence in dispute handling via XXXX, and likely violations of CFPB UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ) standards. 

Additionally, under California Civil Code 1785.10 and 1785.25, I have a right to accurate, verified credit information and timely correction of errors. Equifax and XXXX XXXX have ignored these obligations. 

As a Secured Party Creditor under U.C.C. 1-308 and 9-102, I reserve all rights, and I do not authorize the unauthorized securitization, reporting, or commercialization of my personal credit estate without proper consent or compensation. 

Summary of Violations : FCRA 1681i Failure to reinvestigate consumer dispute FCRA 1681g Failure to provide full consumer file FCRA 1681s-2 ( b ) Failure of furnisher to respond properly XXXX XXXX XXXX Account not marked with XB or incorrectly marked XC or XH during open dispute e-OSCAR Violation Mishandling or neglect of dispute resolution through ACDV process CFPA / UDAAP Engaging in deceptive, misleading conduct harming consumer rights California Civil Code 1785.10 & 1785.25 State-level reporting accuracy and dispute handling violations U.C.C. 1-308 and 9-102 Commercial liability and estate protection as Secured Party Creditor

Company response to consumer: Closed with non-monetary relief