Consumer complaint received 2025-01-21 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: FL

Complaint narrative:
I recently pulled an updated copy of my credit report after submitting my initial dispute on XX/XX/XXXX. Unfortunately, the items I previously disputed remain inaccurate, and it appears that no reasonable investigation was conducted to address my concerns. 
I have attached the following documents to support this follow-up dispute : The certified mail green card with tracking number XXXX, confirming receipt of my initial dispute. 
A copy of my old credit report A copy of my updated credit report showing that the inaccuracies were not corrected. 
I am now requesting that you provide a detailed description of the procedure used to verify and modify the disputed information. This must include the following : A description of the investigation conducted.

The names, phone numbers, and contact details of any individuals or entities you spoke to during the investigation.

The date, time, and method of contact with those individuals.

Whether you contacted the creditor ( s ) at the phone number and address provided on my consumer report. 
A complete description of the methods and resources used to verify the information. A generic explanation about " various methods '' will not suffice. 
Under the Fair Credit Reporting Act ( FCRA ), you are legally required to complete a reinvestigation within 15 days of receiving this follow-up dispute. Please ensure compliance with the law and address my concerns promptly.

I am disputing the completeness and accuracy of the following account : Bankruptcy The following inaccuracies were identified in the above account : I am disputing this account under e-Oscar code 112. This account is not meeting the industry standard, Metro 2 Compliance. Modify, update, or delete this account for the inaccuracies and errors : Date Filed/Reported : Equifax says XX/XX/XXXX but XXXX says XX/XX/XXXX. XXXX says something different. Which one is it? This is misleading if you both get the same data from the same furnisher. Either modify, fix, or delete the entire account. The reference number is different. XXXX says XXXX but Equifax says XXXX XXXX. Which one is it? This is misleading if you both get the same data from the same furnisher. Either modify, fix, or delete the entire account. What is the closing date? This is incomplete information. Either modify, fix, or delete the entire account. Why is the court name 'federal '? XXXX says XXXX XXXX XXXX  FL XXXX and XXXX says XXXX XXXX  XXXX. This is misleading if you both get the same data from the same furnisher. That is inaccurate, what is the court name? Either modify, fix, or delete the entire account. 
*IF THE ACCOUNT IS NOT MARKED AS DISPUTED OR NOTHING ABOUT A RE-INVESTIGATION WITH THE DATE, USE THIS REASON : " This account is not marked as 'disputed ' on my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). The FCRA requires that disputed accounts be clearly labeled as such during the investigation process. This failure demonstrates that no reasonable investigation was conducted, and I am requesting immediate correction. '' I trust that you will take this matter seriously and provide the detailed explanation and resolution I am entitled to by law. Thank you for your immediate attention to this matter. 

And you guys recently got sued for NOT CONDUCTING A REASONABLE INVESTIGATION. My report is still reporting inaccurate information because you failed to properly investigate the account in question.

Company response to consumer: Closed with explanation