Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Demand for Investigation and Verification of Disputed Account To Whom It May Concern, I am writing to formally demand a comprehensive re-investigation of an account appearing on my credit report that does not belong to me. Despite my previous requests for validation, Equifax has allegedly verified this account without providing any tangible proof to substantiate the claim. I request immediate action on this matter as per the protections afforded to me under federal consumer protection laws. 

The Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S. Code 1681i ), requires credit reporting agencies to conduct a thorough investigation of disputed items and to provide verifiable evidence supporting the accuracy of the information reported. Simply marking the account as verified without presenting proof is insufficient and fails to comply with the law. 

Furthermore, under Section 623 ( 15 U.S. Code 1681s-2 ) of the FCRA, the furnisher of the information is obligated to investigate and verify the accuracy of the reported information. I am demanding that Equifax provide me with : 1. Documentation or records from the furnisher that substantiate the ownership of this account, including any documents bearing my signature.

2. A detailed explanation of the methods and procedures used to verify the account 's accuracy. 

If Equifax or the furnisher of this information can not provide verifiable proofsuch as a signed agreement or other substantive evidencethe disputed account must be deleted from my credit report immediately as required under the FCRA. 
Please note that this is not the first time I have disputed this account. Despite multiple attempts, the responses I have received lack the evidence necessary to support the claim that this account is valid. This repeated failure to provide proof is not only frustrating but also a violation of my rights as a consumer. 

Additionally, the account shows on my credit report as being open since XXXX, but it only recently appeared on my credit report. Under the payment history section, it displayed " ND '' until XXXX, which is the same month it first appeared on my report, at which point it was marked as " 60 days late. '' This inconsistency is inaccurate and must be investigated immediately. My account number is XXXX, and the last four digits of my Social Security number are XXXX to assist you in locating this account faster. Please see the attached screenshot for reference. Additionally, I recently received a letter from Equifax stating that you were unable to locate a credit file in your database using the identification information previously provided. However, you still proceeded to close the complaint as verified information. This action is contradictory and a clear violation of my rights under the FCRA. To verify my identity, I am also including two forms of identification : a copy of my driver 's license and my Social Security card. 

I expect a full response within 30 days of receipt of this letter, as stipulated by the FCRA. If Equifax fails to adequately address this matter, I will have no choice but to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action if necessary. 
Please consider this letter as a final opportunity to resolve this matter amicably. I look forward to your prompt and detailed response, including the requested documentation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation