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:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX DOB : XX/XX/XXXXXXXX  SSN : XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX, XXXX, PA XXXX Equifax Information Services XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX  XXXX. XXXX XXXX, XXXX, TX XXXX RE : Request for Method of Verification ( MOV ) Under FCRA XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX To Whom It May Concern : On XX/XX/XXXX, I submitted a formal dispute regarding the above-referenced account to all three credit reporting agencies through XXXX. I identified multiple material inaccuracies and contradictions across the three bureaus. 

- TransUnion responded on XX/XX/XXXX, stating only : " XXXX XXXX XXXX-VERIFIED AS REPORTED. '' - Equifax responded on XX/XX/XXXX, stating only : " EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. EQUIFAX VERIFIED THAT THIS ITEM IS REPORTED CORRECTLY. '' Neither response provided a legally required Method of Verification ( MOV ). 

XXXX XXXX XXXX CFPB Disputes Governed by FCRA : XXXX XXXX XXXX  For clarity, please be advised that disputes submitted through the Consumer Financial Protection Bureau ( CFPB ) portal are XXXX XXXX  no different in legal weight from direct disputes XXXX XXXX submitted to your agencies. They are both governed by the same provisions of the Fair Credit Reporting Act, including but not limited to * * FCRA 611 ( 15 U.S.C. 1681i ) * * and * * FCRA 623 ( 15 U.S.C. 1681s-2 ) * *. The method of submission does not lessen or alter your obligations under federal law to conduct a lawful reinvestigation and provide the consumer with a proper Method of Verification. Treating a CFPB-filed dispute with anything less than full FCRA compliance constitutes a violation of the Act.

Under the Fair Credit Reporting Act, FCRA 611 ( a ) ( 7 ), 15 U.S.C. 1681i ( a ) ( 7 ), I have the right to request a description of the procedure used to determine the accuracy and completeness of the information. This must be provided to me * * within 15 days * * of my request.

Accordingly, I am demanding the full Method of Verification ( MOV ) for this account, including : 1. The name, title, and contact information of the person ( XXXX ) you communicated with at XXXX XXXX XXXX or XXXX XXXX. 
XXXX. The specific documents, data, or records you relied upon to verify the account. 
XXXX. The exact manner and date of verification. 

Applicable Law & Case Support : - FCRA 611 ( a ) ( 7 ), 15 U.S.C. 1681i ( a ) ( 7 ) MOV must be provided within 15 days of request.
- FCRA 1681e ( b ) CRAs must ensure maximum possible accuracy.

- FCRA 623 ( a ) ( 1 ) ( A ) Furnishers may not report information known to be inaccurate. 
- Cushman v. Trans Union Corp., 115 F.3d 220 ( XXXX XXXX XXXX ) CRAs can not simply rely on furnishers ; they must conduct a reasonable reinvestigation. 
- Richardson v. Equifax, XXXX XXXX XXXX Inconsistent bureau reporting without correction is inaccurate. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) Contradictory credit reporting constitutes inaccuracy. 
- Morris v. Equifax, 457 F.3d 460 ( XXXX Cir. XXXX ) Superficial checks do not satisfy reinvestigation obligations. 

Failure to provide the MOV within the 15-day statutory period will leave you in violation of the FCRA. If you can not produce this information, then pursuant to FCRA 611 ( a ) ( 5 ) ( A ), 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you must delete the account from my credit file.

Noncompliance will result in further complaints to the CFPB, my state attorney general, and possible civil action under FCRA 1681n and 1681o.

I expect your complete MOV response within the required 15 days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation