Consumer complaint received 2025-07-15 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: AZ

Complaint narrative:
To Whom It May Concern : I am writing to formally request the Method of Verification ( MOV ) used in your reinvestigation of the following disputed items that appear on my credit reports. This request is made under my rights afforded by the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

Please provide the following information for each disputed item listed below : A detailed description of the procedures used to determine the accuracy and completeness of the disputed item. 

The method you used to contact the data furnisher ( e.g., ACDV, e-Oscar, mail, telephone ). 

The specific information you submitted to the data furnisher. 

The response received from the data furnisher. 

A complete copy of the Automated Consumer Dispute Verification ( ACDV ) form or equivalent system record used, including all fields returned by the data furnisher.

Disputed Derogatory and Delinquent Accounts XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Status : Charged Off Balance : {$9800.00} Issue : Charge-off reported despite recent payments ; last payment XX/XX/XXXX. Inconsistencies across bureaus. 

Violations : 15 U.S.C. 1681e ( b ), 1681i Supporting Case Law : Pintos v. Pacific Creditors Association XXXX. XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Status : Closed with Past Due Balance Balance : {$9800.00} | Past Due : {$1000.00} Issue : Continued delinquency reporting post-final payment ; inconsistent dispute markings Violations : 1681e ( b ), 1681s-2 ( a ) ( 3 ) Supporting Case Law : Saunders v. BB & T, Cushman v. TransUnion Corp XXXX 

XXXX. XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Status : Pays As Agreed / 180 Days Past Due Balance : {$73000.00} Issue : Contradictory status ( current + 180-day late ) reported simultaneously Violations : 1681e ( b ), 1681s-2 Supporting Case Law : Collins v. Experian XXXX. XXXX XXXX XXXX XXXX ( XXXX ) Account Number : [ Insert ] Status : Closed, {$0.00} Balance Issue : Post-closure delinquency entries, inaccurate payment history Violations : 1681e ( b ) Supporting Case Law : Cushman v. TransUnion Corp. 

Legal Authority and Case Law Pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), you are required to furnish the requested information within 15 days. The following cases support the legal necessity of this request : Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ) Saunders v. Branch Banking & Trust Co., 526 F.3d 142 ( 4th Cir. 2008 ) Pintos v. Pacific Creditors Association, 605 F.3d 665 ( 9th Cir. 2010 ) Collins v. Experian Information Solutions , Inc., No. 18-CV-07692 ( N.D. Cal. 2020 ) These cases establish that CRAs must conduct reasonable investigations, go beyond simply relying on furnishers, and fully disclose their method of verification when requested. 

Enclosed : Copy of my government-issued ID Proof of address ( utility bill ) Copies of all three credit reports, with disputed accounts highlighted Please consider this a formal notice of continued dispute until complete and verifiable documentation is received. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation