Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Formal Method of Verification ( M.O.V. ) Request From : XXXX XXXX XXXX XXXX XXXX XXXX, Door XXXX XXXX XXXX, PA XXXX XXXX : XX/XX/XXXXXXXX  SSN ( Last XXXX ) : [ XXXX ] Email : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Account in Dispute : 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 Purpose of This Request Method of Verification 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  This is a formal request under the Fair Credit Reporting Act ( FCRA ) for the full * * Method of Verification ( M.O.V. ) * * regarding the disputed XXXX XXXX XXXX XXXX 

On XX/XX/XXXX, I submitted disputes through XXXX to both TransUnion and Equifax. Both bureaus responded Verifying the account. 

XXXX XXXX TransUnion Response ( XX/XX/XXXXXXXX  ) XXXX XXXX XXXX Address UPDATED. This response was conclusory, unrelated to the account, and issued * * after the 30-day statutory period XXXX XXXX. 
XXXX XXXX Equifax Response ( XX/XX/XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ITEM BELONGS TO YOU ; UPDATED ADDITIONAL INFORMATION. 

Because neither bureau has provided the legally required verification details, I now dXXXX XXXX XXXX XXXX XXXX XXXXRA. 

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 Statutory Rights to Method of Verification 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 FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : * * When a CRA completes a reinvestigation, it must provide the consumer, upon request, the Method of Verification including the business name, address, and telephone number of the furnisher, and a description of the procedure used. 

* * FCRA 611 ( a ) ( 7 ), 15 U.S.C. 1681i ( a ) ( 7 ) : * * Upon request, the CRA must provide a description of the procedure used to determine the accuracy and completeness of the information. This information must be supplied within * * 15 days * * of the request.

Therefore, I demand the following : 1. The * * name, title, and contact information * * of the person ( s ) you communicated with at XXXX XXXX XXXX. 
2. The * * specific documents, data, or records * * you relied upon to verify the account.

3. The * * exact manner and date * * of verification. 

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 Disputes Carry Equal Legal Weight 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  FCRA 611 ( 15 U.S.C. 1681i ) * * governs reinvestigations and does not diminish obligations based on the submission channel. Disputes submitted via XXXX are fully binding and trigger identical statutory duties. 
* * FCRA 623 ( a ) ( 8 ), 15 U.S.C. 1681s-2 ( a ) ( 8 ) * * requires furnishers to maintain reasonable dispute procedures. The CFPB dispute portal does not relieve CRAs or furnishers from compliance.

Therefore, you must treat my CFPB-filed disputes with the same legal force as if sent directly. 

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 Case Law Confirming CRA Duties 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 Cushman v. Trans Union, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : * * CRAs must conduct a meaningful investigation and can not simply parrot the furnisher. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Verification requires actual evidence, not conclusory statements. 
XXXX XXXX Richardson v. Equifax, XXXX XXXX XXXX XXXX XXXX XXXX  Inconsistent bureau reporting without correction is inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Contradictory reporting constitutes inaccuracy under FCRA. 

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 Requested Resolution 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  You are obligated to provide the full Method of Verification within * * 15 days * * of this request. If you can not produce this, the disputed XXXX XXXX account must be * * deleted * * in accordance with * * FCRA 611 ( a ) ( 5 ) ( A ), 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) * *. 

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 Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Email : XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation