Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Request For Removal of Inaccurate Account Information Previous CFPB Complaint Number : XXXX ( COPY OF CFPB COMPLAINT IS ATACHED ) Despite my initial complaint detailing the inaccuracies and violations, Equifax has reported the item as verified without providing any documentation or explanation of their verification process.

Original Complaint Summary : In my previous complaint, I highlighted that the account listed below contains several inaccuracies that falsely manipulate the statute of limitations. Equifaxs failure to properly investigate this account has violated my rights under the Fair Credit Reporting Act ( FCRA ) and the Servicemembers Civil Relief Act ( SCRA ). Specifically, the following sections have been violated : 15 U.S. Code 1681c : Requires accurate reporting of information.

15 U.S. Code 1681b ( c ) : Governs the permissible purposes of consumer reports. 

Account in Question XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Request for Reinvestigation : I request a reinvestigation of this account in compliance with the FCRA, specifically under Public Law 91-506, Title VI, Section 611, Subsections A-D. These subsections mandate that credit reporting agencies conduct a reasonable reinvestigation when a consumer disputes the completeness or accuracy of any item of information contained in their file.

Subsections for Reference : Section 611 ( a ) : Procedure in case of disputed accuracy.

Section 611 ( b ) : Reinvestigation of disputed information.

Section 611 ( c ) : Notice of results of reinvestigation.

Section 611 ( d ) : Statement of dispute.

Violations and Required Action : Equifax failed to provide the method and documentation of their verification process, as required by the FCRA.

Equifax has not corrected the inaccuracies nor removed the erroneous account from my credit report.

I demand the immediate deletion of the inaccurate account information from my credit report and a detailed explanation of the verification process and documentation used by Equifax. 

Equifax has claimed that it has VERIFIED this account, seemingly through automated methods. Please provide a detailed explanation of your verification process. Specifically, I would like to know : Who did you contact at the original credit grantor? Did you communicate via phone, mail, or electronic means?

If a Universal Data Form ( UDF ) was used, was this through electronic automatic dispute verification? 
Did you contact them using the address/phone number listed on my report? 
The Fair Credit Reporting Act ( FCRA ) mandates that you must provide this information within 15 days upon my request. Do not give me a generic response about using various methods. Tell me exactly how you verified the account, including the full name of the person you spoke with. 

Additionally, please provide the date of the commencement of delinquency. The original creditor is required to supply this information to you. I need to know the specific date when this tradeline will be past the reporting timeframe. Do not provide the generic " 7 Years '' response ; I am aware of that. Provide the exact date when this tradeline will be removed from my report.

Supply your response within 15 days or delete the tradeline.