Consumer complaint received 2025-09-03 00:00:00
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.
State: NY

Complaint narrative:
Regarding Account : XXXX XXXX {$110.00} This letter serves as my formal request for a detailed explanation of how your investigation was conducted and for you to provide me with your method of verification. According to consumer law, verification requires sufficient documentary evidence to prove the accuracy of the reported information. Neglecting to consult essential documents, such as account applications, constitutes a violation of the Fair Credit Reporting Act ( FCRA ), as demonstrated in cases like Johnson v. MBNA Am. Bank, NA, 357 F.3d 426, 431 ( 4th Cir. 2004 ). Your response should include the following information at a minimum : What did your representatives uncover that led them to believe the item is reported correctly? What certified documents were reviewed to conclude your investigation? Provide a complete copy of all information transmitted to the data furnisher as part of the investigation. What was the cost to your company to obtain the documents needed to complete your investigation? Provide proof of your timely procurement of certified documents. Did you speak directly to any agent of the company reporting the information to confirm its accuracy? a. If yes : i. Who did you speak to? ii. On what date? iii. How long was the conversation? iv. What was their position? v. What telephone number did you call? vi. What is the name of the employee from your company who spoke to the above party? vii. What is the position of the employee from your company who spoke to the above party? viii. How long has that employee been employed by your company? ix. What formal training was provided to this employee to investigate items of this kind? x. Was there any email or written communication between members of your company and the above party? Provide copies of all correspondence and any conclusive documentation proving that you conducted a reasonable investigation of the account in question. Provide the date of the commencement of delinquency. Provide the specific date when reporting these items will cease. Additionally, I respectfully request a notarized affidavit confirming that the information provided is true and correct, as per my civil rights granted under several federal laws. This information should not come as a form letter response. My initial dispute was detailed and directly related to the account in question. A template response will not be acceptable. If you can not supply ALL of the above information in a timely manner as detailed by several laws, including but not limited to the Fair Credit Reporting Act, I demand the immediate and permanent removal of this item from my credit report. This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the requested deletion or the required documentation of your investigation, I will pursue the enforcement of my rights through federal court proceedings. As you are aware, this information will come out through the formal discovery process and necessary depositions. I am well-versed in consumer protection laws and civil/federal court procedures, and I will represent myself pro se, formally requesting a jury trial.

Company response to consumer: Closed with non-monetary relief