Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
1. XXXX XXXX XXXX Method of Verification Letter Re : XXXX XXXX XXXX Failure to Properly Verify | FCRA 602, 607, 609, 611 Equifax, This is a formal Method of Verification demand regarding the XXXX XXXX XXXX trade line you claim to have verified. Your investigation results state Equifax contacted the furnisher, and this item belongs to me, without providing any legally required verification details pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). 

You have violated : FCRA 611 failure to conduct a reasonable reinvestigation FCRA 609 ( a ) ( 1 ) failure to disclose the sources of information FCRA 607 ( b ) failure to maintain maximum accuracy FCRA 602 failure to meet consumer protection standards I am demanding : 1. The exact method of verification used 2. The name of the individual at XXXXXXXX XXXX who verified the data 3. The documentation they provided ( contract, payment history, original creditor records ) 4. Whether e-OSCAR or any automated system was used 5. Copies of any documents used to verify this data If you can not provide original source documentation, this account must be deleted immediately. 

Failure to comply will result in additional CFPB action for willful non-compliance under FCRA 616 and negligent non-compliance under 617. 



2. XXXX XXXX XXXX Method of Verification Letter Re : Credit Acceptance Improper Verification | FCRA Violations Equifax , You reported that the XXXX XXXXXXXX trade line is reported correctly yet failed to provide any method of verification, which is required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). 

I demand : A complete Method of Verification The identity and credentials of the person at XXXX XXXX who verified the account The documents they supplied ( original contract, billing statements, payment records ) Confirmation whether you used automated e-OSCAR codes instead of a real investigation If Equifax can not produce evidence beyond a simple XXXX electronic response, this account must be removed for failure to perform a reasonable reinvestigation under FCRA 611 ( a ). 

Non-compliance will result in additional regulatory action. 



3. XXXX XXXX XXXX Method of Verification Letter Re : XXXX XXXX Failure to Provide Verification Documents Equifax, You improperly concluded this item is reported correctly with no explanation of the actual method of verification. 
This violates FCRA 607 ( b ), 609 ( a ) ( 1 ), and 611 ( a ). 

Produce the following : 1. Name of the person at XXXX who confirmed data 2. What documents were reviewed ( contract, statements, payment logs ) 3. Whether this verification was done through automated e-OSCAR ACDV coding 4. Copies of all documents used to verify this account If Equifax is unable to produce original documentation, this account must be deleted. 



4. XXXX XXXX XXXX Method of Verification & Debt Ownership Proof Re : XXXX XXXX XXXX Lack of Original Source Documentation Equifax, XXXX is a debt buyer. Debt buyers rarely possess original documentation. 
Your verified response is insufficient and violates FCRA 611 ( a ) and 609 ( a ) ( 1 ). 

Equifax must supply : The chain of title showing every legal transfer of ownership The original contract or agreement bearing my signature The billing and payment history from the original creditor The exact verification method, including the system used and the representative contacted If Equifax relies on electronic coding responses ( standard for XXXX  ), then the investigation is legally inadequate, and the trade line must be deleted immediately. 

Failure to comply will trigger additional enforcement requests through the CFPB. 



5. XXXX XXXX XXXX XXXX Method of Verification Letter Re : XXXX Federal Procedural Deficiency in Reinvestigation Equifax, Your report states the XXXX account belongs to me and has been updated, but you failed to disclose the verification method, violating FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). 

Provide : 1. The full method of verification 2. The name and department of the XXXX representative who verified the account 3. Any documentation XXXX provided ( contract, payment records ) 4. Confirmation whether the verification was merely an automated e-OSCAR response 5. Copies of all evidence used If you can not provide original evidence and manually verified documentation, the account must be removed for non-compliant reinvestigation procedures. 



6. XXXX / XXXX XXXX ( XXXX  XXXX ) Re : XXXXXXXX XXXX Improper Verification Notice Equifax, Your response of reported correctly without showing how it was verified constitutes a violation of FCRA 607 ( b ), 609 ( a ) ( 1 ), and 611 ( a ). 

I demand : Full verification method Identity of the XXXX representative Documents supplied to Equifax Confirmation whether you used automated dispute coding instead of real investigation Copies of the evidence relied upon Remove this account if you can not provide full documentation. 



7. XXXX / XXXX XXXX ( XXXX XXXX ) Re : XXXXXXXX XXXX  Failure to Comply with Verification Requirements Equifax, This is a separate and distinct request for the second XXXX XXXX trade line . 

You did not provide : Verification method Source of information Documentation used This violates FCRA 611 and 609 ( a ) ( 1 ). 

Provide : 1. Method of verification 2. Representative identity 3. All documentation used 4. Confirmation whether the furnisher responded via automated system 5. Copies of evidence Immediate deletion is required if proper verification can not be produced

Company response to consumer: Closed with non-monetary relief