Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #12820574
Complaint Overview
Complaint ID: 12820574
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Georgia
ZIP Code: 30067
Date Received: 2025-04-03T12:00:00-05:00
Date Sent to Company: 2025-04-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Equifax is knowingly reporting a fraudulent and unauthorized collection account ( XXXX XXXXXXXX ) on my credit file, despite multiple disputes. Both XXXX and XXXX deleted this account immediatelyyet Equifax continues to verify it without providing a single shred of valid documentation. Even worse, the account doesnt list the name of any collection agency or original creditor, which is a blatant violation of the Fair Credit Reporting Act ( 15 U.S.C . 1681e ( b ) ). If they cant even identify whos allegedly collecting the debt, how can it be verified? This is a serious problem. As a collection account, it also falls under the Fair Debt Collection Practices Act. Under 15 U.S.C. 1692g ( b ), debt validation must be provided after a disputeyet Ive received nothing. On top of that, 15 U.S.C. 1692e ( 8 ) prohibits reporting a disputed debt without clearly disclosing that it's disputed. Equifax is allowing that to happen, which means theyre enabling illegal behavior. Equifax is also violating 15 U.S.C. 1681i by failing to conduct a real reinvestigation. Verifying an account without identifying the creditor or supplying proof is not complianceits negligence. And lets not forget, this account was reported without my consent, in violation of 15 U.S.C. 1681b ( 2 ). It is unauthorized, unverifiable, and incomplete. This account is actively harming my credit, my financial stability, and my ability to secure housing and loans. Equifaxs refusal to fix thiswhile the other two bureaus already haveis unacceptable. I demand its immediate removal and will pursue all available legal and regulatory remedies if this situation is not corrected without further delay.
Frequently Asked Questions
What is Complaint #12820574 about?
Complaint #12820574 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-04-03T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Equifax, INC.?
Yes, visit the Equifax, INC. company profile at readthecomplaint.com/company/equifax-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.