Consumer complaint received 2025-07-10 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: NC

Complaint narrative:
Per a previous complaint in which Equifax in which I filed via the CFPB Complaint Portal regarding the investigation into the disputed information on my Equifax credit file. They did NOT remove the inaccurate information from my report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I formally requesting further clarification and compliance with the obligations required of consumer reporting agencies when handling disputes.

1. Reinvestigation Responsibilities ( 15 U.S.C. 1681i ( a ) ) Under the FCRA, Equifax is obligated to conduct a reasonable reinvestigation of any disputed information. Simply forwarding the dispute to the furnisher and accepting their verification without independently validating the accuracy of the data may not constitute a reasonable investigation, especially when documentary evidence is provided by the consumer, which I have submitted. 

Please clarify how Equifax determined that the account with XXXX  XXXX XXXX XXXX XXXX ( XXXX ) was verified as accurate. I respectfully request a copy of the documentation or evidence furnished by the data provider that Equifax used to reach this conclusion. Failing to provide this information may constitute non-compliance with 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), which requires Equifax to provide me with a description of the procedure used to determine the accuracy and completeness of the disputed information. Also, failure to Provide Proper Notice of Furnisher ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( ii ) ). The FCRA requires that you provide me with the name, address, and, if reasonably available, the telephone number of each furnisher contacted during the investigation. Please confirm that this information has been provided or include it with your next correspondence. Continued Reporting of Inaccurate Information ( 15 U.S.C. 1681e ( b ) ).

Equifax has a duty to ensure maximum possible accuracy of the information it reports. If the information remains inaccurate or unverifiable, it must be deleted. The burden of proof is not on the consumer to validate information placed on their file ; it is on the furnisher and CRA to ensure its accuracy. 

At this time, I respectfully request : The procedural description of your reinvestigation. 
All documents and records relied upon during the reinvestigation.

Identification of the furnisher ( s ) who verified the accuracy.

Confirmation whether a human review was conducted or if this decision was based on automated data exchange. 

If Equifax is unable or unwilling to verify the accuracy of the information through proper documentation, I request that the disputed item be deleted from my credit report, as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

It is of the utmost importance for my file to be accurate since I am a victim of Equifax Data Breach and they have been sued by the CFPB for not properly completing investigation per FCRA Law. 
I am providing documentation as well as proof of my identification ( attached )

Company response to consumer: Closed with non-monetary relief