Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : Dispute of Alleged Debt [ XXXX XXXX  or Other Creditor ] To Whom It May Concern : I am writing to challenge the accuracy of an alleged debt reported by [ XXXX XXXX  or name of creditor ] on my Equifax credit file. Your recent communication claims that this debt has been verified, yet no verifiable documentation has been provided to substantiate that claim, nor have I seen evidence of a legitimate, manual reinvestigation beyond any automated processes such as e-OSCAR. I do not consent to the exclusive use of automated systems that circumvent a thorough, evidence-based review. 

1. Failure to Conduct a Reasonable Reinvestigation Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, Equifax is required to carry out a reasonable reinvestigation of any disputed information. Relying solely on an automated check through e-OSCAR, without obtaining original documentation, fails to meet the standards set by law. If Equifax does not keep or have access to legitimate records confirming this debt, then Equifax can not rightfully claim it has been verified. 

XXXX. Requirement to Provide Method of Verification Per FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), I have a right to request a detailed method of verification. Therefore, I demand that Equifax provide : The full name, job title, and direct contact information ( physical address, phone number, and email ) of the individual ( s ) at the furnisher ( and/or Equifax ) responsible for verifying this alleged debt. 
Copies of all original documentationincluding contracts, records, or other evidencethat the furnisher supplied to support this debts accuracy. 
A comprehensive explanation of every step Equifax took to verify this alleged debt beyond automated processes like

e-OSCAR. If you can not immediately produce these materials, then you must delete this unverified account from my credit file under 15 U.S.C. 1681i ( a ) ( 5 ). 

XXXX. Continued Violation of My Consumer Rights Maintaining this unsubstantiated debt as verified may place Equifax in violation of : FCRA ( 15 U.S.C. 1681n and 1681o ), regarding willful or negligent noncompliance with reinvestigation obligations. 
FDCPA ( XXXX XXXX. XXXX, et seq. ), if any party is reporting or collecting a debt without valid, documented evidence of its legitimacy. 
Given recent CFPB enforcement actions against credit reporting agencies for inadequate investigations, Equifax should be well aware that claiming items are verified without producing concrete, original documentation contravenes the FCRAs requirements. 

4. No Consent to Exclusive Automated Verification I reiterate that I do not consent to purely automated e-OSCAR verification. A thorough, lawful investigation must include a review of actual documentation from the original source of the alleged debt. If the relevant documents are unavailable or if the account can not be verified through permissible proof, you must remove this tradeline without delay. 

XXXX. Requested Action Conduct a genuine, properly documented reinvestigation of this alleged debt, obtaining the necessary verifiable evidence from the furnisher. 
Delete the tradeline from my Equifax credit report if you can not provide verifiable, original documentation to prove its accuracy. 
Provide me with written confirmation of the deletion and/or any verified documentation upon completion of your reinvestigation. 
Send me a new, updated copy of my Equifax credit report reflecting these changes. 
XXXX. Good Faith Compliance Failure to comply within the legally mandated timeframe could subject Equifax to civil liability under 15 U.S.C. 1681n and 1681o. I urge Equifax to address this dispute promptly and in good faith, ensuring compliance with the FCRA and related consumer protection laws. 

Thank you for your immediate attention to this matter. I look forward to receiving a written response documenting your specific reinvestigation steps and verifying that either the alleged debt has been fully substantiated or removed from my credit report. 

Sincerely, XXXX XXXX