Consumer complaint received 2025-09-19 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: NY

Complaint narrative:
On XX/XX/XXXX, I submitted a certified-mail request to Equifax for XXXX Method of Verification ( MOV ) under FCRA 611 ( a ) ( 7 ), regarding disputes I filed in XX/XX/XXXX, which Equifax closed XXXX less than XXXX hours without any meaningful investigation. My request was very clear : I wanted Equifax to provide the specific method it used to verify disputed information. I requested the same via CFPB on XX/XX/XXXX after realizing they launched a dispute on XX/XX/XXXX without my consent, and again on XX/XX/XXXX - then XXXX more times after that. All unauthorized disputes have been uploaded to CFPB. Not only were they unauthorized, they were misclassified as fraud. I have been extremely clear with my request. 

On XX/XX/XXXX, Equifax mailed me a letter falsely claiming I had requested a blocking of information under FCRA 605B ( identity theft ) ( see attached ). I have never claimed identity theft, nor have I ever requested a block under 605B. This explains why XXXX is reaching out advising on fraud disputes, which I never filed, authorized or claimed. My only request was for a MOV. By doing this, Equifax misclassified my lawful MOV request as an identity theft block request under 605B, which is inaccurate and misleading. 

Instead of complying with my MOV request, Equifax continued to misuse my personal information. After mailing me this misleading letter, Equifax launched unauthorized disputes on XX/XX/XXXX and XX/XX/XXXX ( attached once again - as Ive provided this numerous times ) using my PII- the same PII they claimed they needed but failed to use to provide the MOV. This was done despite my clear instructions via CFPB complaints that I did not authorize any further disputes and only wanted the MOV. I have received every boilerplate letter Equifax issues- verified, not found, frivolous, requests for PII, etc., but never the XXXX thing I actually requested : the Method of Verification for my XX/XX/XXXX disputes. 

Equifax has now repeatedly : Ignored a certified MOV request. 
Substituted a false identity theft block response instead of providing the required verification. 
Misclassified my lawful MOV request under 605B ( identity theft ), which I never claimed.

Used my PII for everything except what I lawfully requested.

Launched multiple unauthorized disputes even after being told via CFPB to stop. 

This shows a pattern of bad faith, stalling, and deceptive practices. 

On XX/XX/XXXX, Equifax responded to my XX/XX/XXXX CFPB complaint by simply stating the account was verified. This was inadequate and evasive because that complaint was very specific - I requested the Method of Verification under 611 ( a ) ( 7 ). If Equifax truly verified the account, they should have uploaded the MOV directly to CFPB in response to my complaint. Their failure to do so shows deliberate avoidance and willful noncompliance.

I have given Equifax several opportunities to provide the Method of Verification ( MOV ), which was due within 15 days of receipt under FCRA 611 ( a ) ( 7 ). They received my request by certified mail ( tracking number attached ), through my XX/XX/XXXX CFPB complaint ( all complaint numbers listed below ), and even when I uploaded a copy of my FTC complaint about Equifax into the CFPB system. Despite these multiple channels - and clear notice from XXXX separate regulators- Equifax has refused to provide the MOV. Their failure to respond through XXXX XXXX available shows willful noncompliance, obstruction, and disregard for both consumer rights and federal oversight. 

Equifax CFPB complaint numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX

Company response to consumer: Closed with explanation