Consumer complaint received 2024-08-21
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. (GA)

Subject : Request for Method of Verification under FCRA To whom it may concern, I recently disputed the accuracy of certain information on my credit report and received your response. However, I am not satisfied with the outcome of the reinvestigation. Therefore, I am writing to request the method of verification for the following disputed item ( s ) : Disputed Item ( s ) : 1. Account Name : XXXX XXXX XXXX ( Care of XXXX XXXX XXXX ), XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Reason for Dispute : This account is inaccurate. It is reporting inaccurately. The above-referenced account number is related to the most recent account number reporting to my consumer credit profile since my personal information was impacted and exposed. This exposure resulted from the recent Equifax Data Breach. You will notice that the information from the original creditor does not match my actual reported account numbers ending in XXXX and XXXX. This account is must be deleted immediately. 

2. Account Name : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Reason for Dispute : This account is inaccurate. It is reporting inaccurately. The date of XXXX XXXX is incorrect. The High Credit amount is inaccurate. This account must be deleted immediately. 

3. Account Name : XXXX XXXX XXXX XXXX, Credit Bureau Dispute, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Reason for Dispute : This account is inaccurate. The dates of First Delinquency and Last Payment are incorrect. This account must be deleted immediately. 

4. Account Name : XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Reason for Dispute : This account is inaccurate. The above-referenced account number is related to the most recent account number reporting to my consumer credit profile since my personal information was impacted and exposed. This exposure resulted from the recent Equifax Data Breach. You will notice that the information from the original creditor does not match my actual reported account numbers ending in XXXX and XXXX. This account is a result of identity theft on account of the Equifax Data Breach. This account must be deleted immediately. 

Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 7 ), I understand that I have the right to request " a description of the procedure used to determine the accuracy and completeness of the information. '' FCRA Section 607 ( b ) also requires that credit reporting agencies " follow reasonable procedures to assure maximum possible accuracy of the information '' contained in consumer reports.

Please provide the specific details on how the investigation was conducted, including : 1. The name, address, and telephone number of the person or entity that verified the information.

2. The method and sources used for verification.

I appreciate your prompt attention to this matter and look forward to your detailed response as required by law.