Consumer complaint received 2024-11-26 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: LA

Complaint narrative:
I am writing to formally dispute the continued reporting of inaccurate information on my credit report and to address your failure to comply with the Fair Credit Reporting Act ( FCRA ). After multiple investigations conducted by your bureau, certain accounts on my credit report have been returned as verified, yet I have not received any method of verification or supporting documentation from your office to confirm the accuracy of these accounts. This failure to provide proper verification and documentation is a violation of my rights under the FCRA. 

On multiple occasions, I have disputed the accuracy of these accounts and requested detailed documentation regarding the verification process used in these investigations. Despite your initial assurances that I would receive this documentation within XXXX business days, no supporting information or explanation has been provided, and the accounts continue to be marked as verified. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As outlined in 15 U.S.C. 1681i ( a ) ( 6 ) ( B ), the FCRA mandates that you provide the method of verification and the documentation supporting your investigation within 15 days of a request. Your failure to comply with this requirement is an infringement of my rights, and I request that you take immediate action to correct this issue.

Specifically, I demand that you either : 1. Immediately delete the disputed accounts from my credit report due to your failure to properly verify them, or 2. Provide the method of verification and complete documentation of your investigation results within 7 business days of receipt of this letter.

Please be advised that if this matter is not resolved within the specified timeframe, I will have no choice but to pursue further legal action under the FCRA. Consistent failure to provide proper verification documentation constitutes a violation of my rights and exposes you to statutory damages, as outlined in 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance.

If I do not receive a resolution or appropriate documentation, I will take further steps to file complaints with the Consumer Financial Protection Bureau ( CFPB ), and consider pursuing legal action for violations of the FCRA. 

I look forward to your prompt response to this matter. 

Sincerely, XXXX XXXX Key Legal Points Referenced : 1. FCRA Section 1681i ( a ) ( 6 ) ( B ) Requires the credit bureau to provide documentation of the method of verification within 15 days of a request.

2. FCRA Section 1681i ( a ) ( 5 ) Requires deletion or correction of inaccurate or unverifiable information after an investigation.

3. FCRA Sections 1681n and 1681o Provide for statutory damages for willful and negligent noncompliance.

Company response to consumer: Closed with non-monetary relief