Consumer complaint received 2023-04-25
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
RE : Method used to verify the information that they claim to have verified under the FCRA Dear Equifax : I am concerned about the validity and accuracy of your investigation of the accounts that are reporting on my credit report. I requested an investigation because I felt the item XXXX XXXX XXXX below were not being reported legally. 
I received a letter stating that your investigation was complete and the items listed above were Verified. 
This letter is my formation request for you to explain to me how you conducted your investigation and for you to provide me your method of verification. 
Your response should to me should include the following at a minimum. 
Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 
What certified documents were reviewed to conclude your investigation? 
Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 
What did it cost your company to obtain the documents needed to complete your investigation? 
Please provide proof of your timely procurement of certified documents. 
Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 
a. If yes to above : i. Who did you speak to? 
ii. On what date? 
iii. How long was the conversation? 
iv. What was their position? 
v. What telephone number did you call? 
vi. What is the name of the employee of your company that spoke directly to the above party? 
vii. What is the position of the employee of your company that spoke directly to the above party? 
XXXX. How long has that employee been employed by your company? 
ix. What formal training was provided to this employee to investigate items of this kind? XXXX. Was there any e-mail or written communication between members of your company and the above party? 
Provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question. 
Provide the date of the commencement of delinquency. 
Provide the SPECIFIC date reporting that these items will cease. 

Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response. 
My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report. 
This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above-requested deletion or requested/ required documentation of your investigation, I will pursue the enforcement of my constitutional rights via XXXX court proceedings. As you are well aware this information will come out through my formal discovery process and necessary depositions. Attached is a list of accounts that you claimed were verified. 


Equifax is required by law to provide the method used to verify the information that they claim to have verified under the FCRA. Failure to comply with this request will constitute a violation of the law. It is imperative that the requested information is completed in its entirety, including the verification method used by Equifax. Failure to provide this information will be viewed as a failure to follow the requirements set forth by the FCRA, and legal action may be taken accordingly. It is requested that Equifax promptly provide the requested information to ensure compliance with the law Thank you for your time and attention. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation