Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
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 Subject : Request for Reevaluation of Dispute Refusal under FCRA Section 611 ( a ) Dear Sir/Madam, I am writing to formally challenge the refusal to process my recent disputes concerning specific accounts detailed below, as indicated in your recent communication. These disputes were not re-investigated under the premise of Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), which states that previously disputed items without new information may not require reinvestigation.

Accounts in Question : 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  ( Unverifiable charge-off balance, inaccurate payment history ) FCRA Requirements : Under the FCRA, specifically Section 611 ( a ), consumers have the right to dispute any item in their credit report that they believe to be inaccurate, incomplete, or unverifiable. The act stipulates : Section 611 ( a ) ( 1 ) : " If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file ... '' Section 611 ( a ) ( 2 ) ( A ) : " The reinvestigation must be completed not later than 30 days after the date on which the agency receives the notice of the dispute from the consumer. '' Request for Action : I included new and relevant information in my dispute submission that addresses the historical accuracy and the current status of the accounts in question, substantiating a legitimate request for a new investigation under the terms of the FCRA. The refusal to re-investigate these matters, citing them as previously disputed without new information, does not align with the new evidence provided, thus requiring further review under FCRA stipulations. 
I respectfully request that XXXX reconsider its decision and proceed with a full reinvestigation of these accounts, adhering to all pertinent laws and regulations during the process. I am prepared to provide additional documentation or clarification as needed to facilitate this process. 
Please acknowledge receipt of this letter and inform me about the next steps in resolving this matter. Thank you for your attention to this important issue. I look forward to your prompt and thorough handling of this dispute. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation