Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #16310150
Complaint Overview
Complaint ID: 16310150
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: Texas
ZIP Code: 77545
Date Received: 2025-10-01T12:00:00-05:00
Date Sent to Company: 2025-10-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Date : XX/XX/XXXX Via Certified Mail, XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX DOB : XX/XX/XXXX | SSN ( last 4 digits ) : XXXX Phone : XXXX | Email : XXXX Subject : FCRA 611 ( a ) Reinvestigation XXXX & XXXX Accounts Dear Experian Dispute Department, I am disputing the following tradelines appearing on my Experian credit file : XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX {$2700.00} * * Collector failed to provide proper validation under FDCPA 809 ( b ). Their response only included a balance statement and attempted to shift the burden of proof to me. No signed agreement, no itemized ledger, no proof of legal assignment was produced. Reporting this unverifiable debt violates FCRA 607 ( b ) & 623 ( a ) ( 1 ) ( A ). XXXX Account # XXXX {$4000.00} XXXX XXXX This furnisher provided no response at all to my validation request. Silence confirms the account can not be verified. Reporting without validation violates FCRA 607 ( b ), 611 ( a ), and 623 ( a ). Demand : Please conduct a reinvestigation as required under FCRA 611 ( a ). If the furnishers can not provide verifiable documentation, these tradelines must be deleted. Please send me written confirmation of deletion or results of reinvestigation within 30 days. Respectfully, ( Signature ) XXXX XXXX Enclosures : Copy of ID, Proof of Address, Prior Dispute Letter, CFPB Complaint Reference # XXXX Date : XX/XX/XXXX Via Certified Mail, XXXX Equifax XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX DOB : XX/XX/XXXX | SSN ( last 4 digits ) : XXXX Phone : XXXX | Email : XXXX Subject : FCRA 611 ( a ) Reinvestigation XXXX & XXXX Accounts Dear Equifax XXXX Department, I am disputing the following tradelines appearing on my Equifax credit file : XXXX XXXX XXXX Account # XXXX XXXX XXXX {$2700.00} * * Collector failed to provide proper validation under FDCPA 809 ( b ). Their response only included a balance statement and attempted to shift the burden of proof to me. No signed agreement, no itemized ledger, no proof of legal assignment was produced. Reporting this unverifiable debt violates FCRA 607 ( b ) & 623 ( a ) ( 1 ) ( A ). XXXX Account # XXXX {$4000.00} * * This furnisher provided no response at all to my validation request. Silence confirms the account can not be verified. Reporting without validation violates FCRA 607 ( b ), 611 ( a ), and 623 ( a ). Demand : Please conduct a reinvestigation as required under FCRA 611 ( a ). If the furnishers can not provide verifiable documentation, these tradelines must be deleted. Please send me written confirmation of deletion or results of reinvestigation within 30 days. Respectfully, ( Signature ) XXXX XXXX Enclosures : Copy of ID, Proof of Address, Prior Dispute Letter, CFPB Complaint Reference # XXXX Date : XX/XX/XXXX Via Certified Mail, XXXX To : TransUnion LLC XXXX XXXX. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX From : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX DOB : XX/XX/XXXX | SSN ( last 4 digits ) : XXXX Phone : XXXX | Email : XXXX Subject : FCRA 611 ( a ) Reinvestigation XXXX & XXXX XXXX Dear Transunion XXXX Department, I am disputing the following tradelines appearing on my Transunion credit file : XXXX XXXX XXXX Account # XXXX XXXX XXXX {$2700.00} XXXX XXXX Collector failed to provide proper validation under FDCPA 809 ( b ). Their response only included a balance statement and attempted to shift the burden of proof to me. No signed agreement, no itemized ledger, no proof of legal assignment was produced. Reporting this unverifiable debt violates FCRA 607 ( b ) & 623 ( a ) ( 1 ) ( A ). XXXX Account # XXXX {$4000.00} XXXX XXXX This furnisher provided no response at all to my validation request. Silence confirms the account can not be verified. Reporting without validation violates FCRA 607 ( b ), 611 ( a ), and 623 ( a ). Demand : Please conduct a reinvestigation as required under FCRA 611 ( a ). If the furnishers can not provide verifiable documentation, these tradelines must be deleted. Please send me written confirmation of deletion or results of reinvestigation within 30 days. Respectfully, ( Signature ) XXXX XXXX Enclosures : Copy of ID, Proof of Address, Prior Dispute Letter, CFPB Complaint Reference # XXXX
Frequently Asked Questions
What is Complaint #16310150 about?
Complaint #16310150 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 2025-10-01T12:00:00-05:00.
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.