Consumer complaint received 2025-01-11 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: MI

Complaint narrative:
To Whom It May Concern, I am writing in response to Equifaxs handling of my complaint. Equifax has failed to provide valid proof of their so-called " verification '' of inaccurate information on my credit report. Their response is generic and does not comply with the Fair Credit Reporting Act ( FCRA ).

Issues with Equifaxs Response : 1. Failure to Provide Documentary Evidence * Equifax claims they verified the bankruptcy, but they failed to provide direct proof from the original source.

* Under FCRA 611 ( a ) ( 7 ), I have the right to request their method of verification ( MOV ). I demand that Equifax provide : * The exact source of the verification ( e.g., court clerks contact information ).

* A copy of the original court record with my signature.

* A sworn affidavit from the furnisher confirming their certification.

2. Reliance on Third-Party Vendors, Not the Original Source * Equifax admits that they use third-party vendors ( such as XXXX ) to obtain information. 
* FCRA 609 ( a ) ( 1 ) requires them to provide the actual source of the information upon request.

* Equifax must provide direct proof from the original creditor or government entity, not a secondary database.

3. Public Records Should Not Be Reported by Credit Bureaus * The bankruptcy court does not report information to credit bureaus. 
* This means Equifax has relied on an unreliable third party to place a negative item on my report.

* FCRA 1681e ( b ) requires Equifax to ensure maximum possible accuracy, which they failed to do.

4. Equifaxs Violation of FCRA in Handling My Dispute * Equifax failed to properly investigate my dispute and simply restated the furnishers response without independent verification.

* FCRA 611 ( a ) requires credit bureaus to reasonably reinvestigate disputes, which they did not do.

* Since Equifax can not verify the accuracy of the information, it must be deleted immediately under FCRA 611 ( a ) ( 5 ) ( A ).

Requested Actions from CFPB : 1. Demand Equifax to Provide Full Verification or Delete the Bankruptcy * Require Equifax to produce original supporting documentation from the bankruptcy court or creditor.

* If they fail to do so, the item must be deleted immediately under FCRA 611 ( a ) ( 5 ) ( A ).

2. Investigate Equifaxs Use of Third-Party Vendors * Equifax is not verifying data directly and is relying on unverifiable sources. 
* Require Equifax to disclose the third-party vendors identity and ensure compliance with FCRA.

3. Impose Financial Penalties for Non-Compliance * Equifaxs continued failure to comply with FCRA 605B ( blocking identity theft information ) warrants monetary penalties.

* Compensation should be provided for damages due to their negligence.

4. Monitor Equifax for Further Violations * Equifax has repeatedly ignored my valid disputes and denied my documentation.

* CFPB should escalate enforcement actions to prevent ongoing deceptive practices.

I appreciate the CFPBs assistance in holding Equifax accountable for their violations. I expect prompt corrective action, and I am prepared to escalate my complaint further if necessary. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation