Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Open cfpb. Complaint numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX This is my second formal request for the removal of the unverified accounts listed below from my credit report, which is a violation of 15 U.S.C. 1681. Given the recent Equifax data breach and the subsequent appearance of fraudulent accounts on my report, I again request their removal. 



The Fair Credit Reporting Act ( FCRA ) requires verification of all accounts reported. Your previous investigation concluded with written confirmation that these accounts were verified, which is unsatisfactory. I request the documentation used to verify these accounts, the name of the verifying employee, and the specific documents utilized in the verification process. 



Please furnish this employees name, business address, and telephone number. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, verify signifies to prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate, and verification denotes confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition. The purpose of verification is to ensure good faith in a partys assertions. This necessitates your companys capacity to produce documentation substantiating my ownership of the disputed account ( s ) and the accuracy of the reported information, demonstrable in a court of law should litigation ensue.

A company representative with firsthand knowledge of the disputed accounts and their complete history must authenticate the supporting documentation under oath and penalty of perjury. As you know, current Federal case law holds consumer reporting agencies strictly accountable for the accuracy of reported information, demanding more than simply repeating data from third parties. Furthermore, courts have ruled that a reinvestigation shifts the burden back to the consumer, and the creditor fails to meet the requirements of 1681 ( a ) ( 4 ). Your failure to provide the verification documentation indicates an inability to verify the disputed accounts. Therefore, under FCRA Section 611 ( 5 ) ( A ), you are obligated to delete all unverifiable information promptly. The law clearly outlines the civil liability and remedies available for negligence in this matter.

Failure to comply with this Federal Law constitutes noncompliance ( Section 617 ). As a consumer, I plan to pursue legal action to enforce my rights under the FCRA. I request immediate verification or deletion of the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation