Consumer complaint received 2025-01-31 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: GA

Complaint narrative:
Equifax XXXX Department XXXX XXXX XXXX XXXX, GA XXXX Subject : Method of Verification request- Request for Description of Procedure Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Dear Equifax, I am writing to formally request a description of the procedure used to determine the accuracy and completeness of the information I disputed, as per my rights under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ). 

I disputed the account with Equifax on XX/XX/XXXX of XXXX Equifax did not attempt to review my specific concerns listed within my complaint, nor verify the mentioned dispute as accurate despite its inaccuracies. Ive listed below the report number, attachment of the account reflecting its inaccuracies as well as the notice received from XXXX confirming verified. 

Equifax initial dispute in request ( s ) - XX/XX/XXXX I am writing to dispute an inaccuracy and unauthorized inquiry on my credit report. Upon reviewing my report, I found an inquiry on my Equifax credit report in error. I request that the inquiry for Factual Data Consumer dated - XX/XX/XXXX, be removed from my profile. I did not open an account and I do not recognize the inquiry. Please remove this inquiry from my report immediately. 
For the following reason : Inaccurate reporting under the inquiry section. Your investigation of this dispute was marked as completed on XX/XX/XXXX because you filed to properly conduct and perform your own investigation.. 

I am now requesting a detailed description of the reason ( XXXX ) why, and the procedure that was used during your investigation. Specifically : Who did Equifax contact or interview regarding this account? 
Who did Equifax rely on to review this account account dispute? XXXX XXXX or Human? 
Why did Equifax not read my dispute request and attempt to investigate? 
How did Equifax verify the accuracy and completeness of the information provided? 
What documentation or evidence was reviewed to come to this determination? Equifax response. Please be specific with your concerns by listing the account names, numbers and nature of dispute This information was provided in my initial CFPB complaint submitted on XX/XX/XXXX -ID number : XXXX. This request was overlooked and deliberately ignored. 
What documentation or evidence was reviewed to come to this determination? 
As required by the FCRA, please provide this information within specified days given upon receiving this letter.This is my second time disputing this matter with Equifax. I urge you to resolve this issue promptly, as continued failure to comply and accurately report on my credit profile is a violation of the FCRA. If this inaccurate information is not removed, I am prepared to escalate this matter further, including file an additional complaint with the CFPB and seek legal remedies. 

Thank you for your prompt attention to this matter. I look forward to receiving your detailed response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation