Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX XXXX XX/XX/XXXXXXXX  SS XXXX XXXXXXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Complaint and Request for Investigation Inaccurate Credit Reporting I am writing to file a formal complaint and request a full investigation into inaccurate and incomplete items appearing on my credit report. 


While reviewing my credit report, I discovered several accounts that are reporting incorrect or incomplete information. I previously contacted the credit bureaus in writing and requested that they conduct a full investigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, but they either denied my requests or marked the items as verified without providing any explanation of how the verification was determined. 
Despite sending multiple dispute letters, these bureaus have failed to correct or remove the inaccurate information. They also failed to provide documentation demonstrating how they defined these items as accurate or verified. This is a clear violation of my rights under the FCRA, which requires credit bureaus to : Conduct a reasonable investigation of disputed items, Delete or correct inaccurate or unverifiable information, Provide the consumer with the method of verification, and Disclose the method of investigation used to determine the outcome.

For these accounts below Delete these accounts. 






15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Delete this account. 


XXXX Procedure in Case of Disputed Accuracy- INCOMPLETE AND INACCURATE INFORMATION XXXX XXXX Account # XXXX Delete this account. 


15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT XXXX XXXX XXXX - Account XXXX Delete this account. 


15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 




Courts have consistently held that credit reporting agencies can not simply parrot information from furnishers without conducting a meaningful investigation : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) : Held that a credit bureau may be liable if it relies solely on a furnishers response without conducting its own reasonable investigation. 


XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : Reaffirmed that failure to conduct an independent investigation into disputed items can constitute a willful violation of the FCRA. 


Richardson v. Equifax, 2004 WL 2903976 ( XXXX. XXXX. XXXX ) : Established that failure to provide the method of verification upon request violates the consumers rights. 


I am formally requesting that the CFPB require the credit bureaus and furnishers to conduct a complete and thorough investigation of these accounts. Please also compel them to provide me with the full method of investigation and verification used to determine the disputed items were accurate. If the items can not be verified with proper documentation, they must be removed from my credit file. 
If these violations continue, I intend to pursue all available legal remedies for noncompliance with the FCRA. 
Thank you for your immediate attention to this matter. 
Sincerely, Proof that your company is legally entitled to collect this debt. This includes any contracts, agreements, or assignments that show that you have the authority to collect on this debt. 
Detailed accounting of the alleged debt, including a breakdown of the amount you claim I owe and how it was calculated. 
Proof that I am the correct debtor. This includes any signed agreements or contracts that bear my signature and that demonstrate my legal obligation to pay this debt. 
If you claim these items are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with these items bearing my signature, as I believe none exists. When you find no signed agreement bearing my signature, I need you to remove these items from my file. 
Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these items, I will be referring this matter to my attorney for further action. Please do not make this a litigious matter... 
Lastly, you have 30 days to complete this investigation, as per Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to E-OSCAR or any means of automated verification. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation