Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX ( XXXX ) XXXX XX/XX/year> To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX RE : Formal Renewed Dispute and Request for Method of Verification XXXX XXXX, XXXX XXXX XXXX, XXXX Accounts in Question : XXXX XXXX * XXXX XXXX XXXX XXXX XXXX * XXXX XXXX * XXXX To Whom It May Concern, This letter is a formal renewed dispute of the above-referenced accounts currently being reported on my credit file. Despite your previous responses claiming these accounts have been " verified, '' the information remains incomplete, and your description of the reinvestigation process lacks the specificity required by federal law. 

I am disputing the following : XXXX XXXX : This account was charged off and sold to another entity. I am requesting removal of this item on the basis that the current reporting is inaccurate and unverifiable under 15 U.S.C. 1681i ( a ) and 1635, as the entity reporting the debt no longer owns or services it. 

XXXX XXXX XXXX XXXX : I have no contractual agreement with this debt collector. As such, I request validation of the debt and demand that you disclose the method of verification per 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), including the name, address, and telephone number of the entity you contacted, and the specific documentation used to verify the debt. 

XXXX : I dispute the late payment history being reported. Under 15 U.S.C. 1681i ( a ) and Regulation Z 12 CFR 1026.13, you are required to conduct a reinvestigation that includes factual and verifiable documentation. If such documentation can not be provided, this inaccurate information must be removed.

Legal Basis and Precedent Your previous response appears to be a generic statement outlining your reinvestigation policy rather than a detailed account-specific verification. This is not sufficient under the FCRA.

The Consumer Financial Protection Bureau ( CFPB ) has issued guidance that data furnishers and credit bureaus must match more than just names and must ensure data accuracy. Relying on electronic confirmations without supporting documentation is not compliant with the FCRA.

CFPB Source : CFPB Advisory on False Identity Matching Additionally, in XXXX XXXX Equifax Information Services, the court ruled that failure to properly notify and reinvestigate disputes or treating disputes as cosmetic may constitute a willful violation of the FCRA. 
Case Source : XXXX XXXX Equifax ( XXXX ) My Formal Request For each of the three accounts listed above, I request : A detailed description of the procedure used to verify the disputed account.

The name, address, and phone number of the furnisher or party you contacted.

Copies of all documentation used in your reinvestigation.

Removal of any account you can not fully verify with legally acceptable supporting evidence.

If you are unable to provide proper verification, I expect these accounts to be removed from my credit file in accordance with the FCRA.

This letter serves as notice that if no satisfactory response is provided within 15 days, I will escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory agencies. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief