Consumer complaint received 2024-10-11 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Equifaxs Failure to Provide Method of Verification Dear CFPB, I am writing to file a formal complaint regarding Equifaxs handling of my request for the method of verification of certain items on my credit report. On XX/XX/XXXX, I submitted a request to Equifax under the Fair Credit Reporting Act ( FCRA ) for the method of verification of specific disputed items on my credit report. However, Equifax has failed to provide me with the necessary details regarding their verification process.

As per the FCRA, I understand that I have the right to request and receive information on how Equifax verified the accuracy of the disputed items. Despite my request, I have not received an adequate response from Equifax that provides the specific information used to verify these items, including the name of the person contacted and their credentials.

I believe that Equifaxs lack of transparency and failure to comply with my request is in violation of the FCRA. Therefore, I am seeking your assistance in resolving this matter. I request that the CFPB intervene to ensure that Equifax provides me with the full method of verification as required by law, or that the disputed items be removed from my credit report if they can not substantiate their verification.

Please let me know if you require any additional documentation or information from me to assist with your investigation. I appreciate your attention to this matter and look forward to your response.

Thank you for your time and assistance. 

Sincerely, XXXX XXXX This was the response from Equifax : STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Public Record : Bankruptcy A DISCHARGED XXXX XXXX BANKRUPTCY REMAINS ON THE CREDIT FILE FOR 10 YEARS FROM THE DATE FILED. EQUIFAX VERIFIED THAT THIS PUBLIC RECORD ITEM IS REPORTING CORRECTLY. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com.

This does not specify who they spoke with or their credentials. XXXX XXXX has stated they do not have any public records for me and it doesn't show on the report they sent me and Equifax has reported that's how they verified the information. Please advise.

Company response to consumer: Closed with explanation