Consumer complaint received 2019-10-24
Company: EQUIFAX, INC.
State: NJ
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:
Hello, I have contacted Equifax in reference to the two collection account 's listed below. By submitting a debt validation letter, there way of responding is verified. No real account information which allows me to confirm the debt has been forwarded to me. It is my right to be provided proof regarding any information in my credit file. So then I forwarded a method of verification letter, the response to that is they are not going to keep investigating the same thing unless I submit more relevant proof. I am not asking for a re investigation, I am asking you to provide proof that this is my debt & how you came to such a conclusion. 

Opened XX/XX/XXXX Account Open Original Creditor Name CXXXX XXXX XXXX XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$830.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Overview Highest Balance {$830.00} Opened XX/XX/XXXX ( 3 yrs, 9 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Collection account Original Creditor Name XXXX XXXX XXXX XXXX XXXX RE : Requesting a Method of Verification Letter Dear Sir/Maam : I recently received a response to a dispute mentioned above that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report.

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation.

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter.

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record.

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible.

Very Respectfully, XXXX XXXX

Company response to consumer: Closed with non-monetary relief