Consumer complaint received 2025-04-10 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: WV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WV XXXX D.O.B. XX/XX/XXXX Last XXXX of XXXX : XXXX Method of Verification Letter Experian XXXX XXXX XXXX XXXX TX, XXXX Attn : Customer Relations Department RE : METHOD OF VERIFICATION LETTER On XX/XX/XXXX I electronically disputed information contained in consumer reports compiled, maintained, and published by you allegedly regarding the following accounts XXXX XXXX XXXX Per your email on XX/XX/XXXX you have received my dispute. 

Accordingly, as per the FCRA you were required to conduct a reasonable investigation and delete the disputed information as I requested before the end of the 4 day period of the date on which you received my dispute letter. You received my dispute letter on XX/XX/XXXX. Therefore, your response was due on or by XX/XX/XXXX. Instead of sending me a response letter with the result of your investigation of the disputed information, you mailed me a letter dated XX/XX/XXXX claiming that you couldnt honor my request due to limited information. 

As you well know, the FCRA governs your handling of my personal information. And, my request today is my statutorily-granted right to learn the method and description of the reinvestigation procedure you utilized. Section 611 ( a ) ( 7 ) states : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

The specific entries for which I request a description of reinvestigation procedure is the following entry XXXX XXXX XXXX XXXX  with a balance of {$83.00}. 

Clearly, you have willfully failed to delete the disputed information as I have requested. I provided a photo copy of the balance paid in full. In lieu of the disputed information, you willfully failed to conduct a reasonable investigation of my dispute because you alleged in you own words, we were unable to honor your request or a portion of it based on the limited amount of information regarding your dispute However, your excuse or assumption is not a valid reason under the FCRA to not reinvestigate my dispute. Note, you have not made any reasonable determination that my dispute was frivolous or irrelevant. Nor have you sent me a notice of such determination that complies with the FCRA. Furthermore, I directly dispute the completeness and or accuracy of information contained in my consumer file. As per the FCRA, your failure to reinvestigate is an intentional and/or negligent FCRA violation XXXX 

As a result of your conduct as described above, you shall properly delete the disputed information. Additionally, as per the FCRA, you are liable to me for damages for your conduct Thus, in addition to your deletion of the disputed information, you are commanded to send me a check in the amount of {$8000.00} payable to the order of XXXX XXXX XXXX XXXX. Be advised, this is NOT another dispute or opportunity for you to reinvestigate the previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation