Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX RE : SECOND NOTICE OF DISPUTE INSUFFICIENT INVESTIGATION / CFPB RESPONSE CHALLENGE Consumer : XXXX XXXX | XXXX : XXXX To Whom It May Concern, I am writing in response to your recent investigation results provided through the CFPB Complaint Portal regarding disputed items on my credit file. Your response states that the accounts listed below were verified as accurate by the furnishers and that certain fields were updated based on information provided from the original source. However, this response does not meet the legal requirements of a reasonable reinvestigation under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ). DISPUTED ACCOUNTS ( STILL IN DISPUTE ) 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 DEFICIENCIES IN YOUR INVESTIGATION Your response relies solely on statements such as : This creditor has verified the account is reporting correctly Additional information has been provided from the original source Historical account information was updated These statements are conclusory and insufficient. They do not demonstrate that Equifax conducted an independent and reasonable investigation as required by law. Specifically : You did not provide any underlying documentation supporting the alleged debts You did not explain how the information was verified beyond furnisher confirmation You appear to have relied on automated verification systems ( e.g., e-Oscar ) rather than reviewing actual evidence Updating fields does not equate to validating the accuracy or legal enforceability of the debt LEGAL NOTICE FAILURE TO CONDUCT REASONABLE INVESTIGATION Under FCRA 611 ( a ), Equifax must go beyond simply parroting furnisher responses. Courts have held that a credit reporting agency must conduct a reasonable investigation, especially when a consumer disputes accuracy. Additionally, under FCRA 611 ( a ) ( 7 ), I am entitled to : A full description of the procedures used to determine the accuracy and completeness of the information The identity of each person or entity contacted during your investigation DEMAND FOR DOCUMENTATION At this time, I am requesting the following for each disputed account : Copies of any original signed agreements or contracts Full account-level documentation supporting the reported balance and payment history Proof of ownership/assignment of the debt The name, address, and contact information of the furnisher who verified the account A detailed description of the method of verification used NOTICE OF NON-COMPLIANCE Your failure to provide adequate documentation or to conduct a lawful reinvestigation constitutes non-compliance with the FCRA. If these accounts can not be verified with competent, documented evidence, you are required to : Delete the accounts immediately from my credit file, and Provide written confirmation of deletion NOTICE OF INTENT TO ESCALATE If this matter is not corrected within the statutory timeframe, I will pursue further action, including : Filing additional complaints with the CFPB, FTC, and California Attorney General Seeking legal remedies for violations of the FCRA, including claims for damages due to negligent or willful noncompliance Please treat this as a formal second notice of dispute. I expect a complete and lawful response within 30 days. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief