Consumer complaint received 2025-05-22 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: IL

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Continued Dispute Regarding Inaccurate Account Reporting Failure to Verify Per FCRA To Whom It May Concern, This letter is in response to a recent correspondence I received from Equifax dated [ XX/XX/year> on Equifaxs letter ], referencing my dispute regarding an account that I believe is being inaccurately reported on my credit file. You stated that as of XX/XX/year>, the account in question was verified as accurate and that no new information has been provided. 

However, this response is unsatisfactory and does not fulfill Equifaxs obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i. I previously requested : XXXX. The method of verification used to determine the accuracy of the account ; XXXX. The name of the person Equifax or the furnisher interviewed to verify the account ; XXXX. The phone number called ; XXXX. The date and time of that communication ; and XXXX. Any documents or information Equifax used to determine the account is valid. 

To date, none of this information has been provided to me. 

I also submitted documentation disputing the accuracy of the account, which appears to have been ignored or not properly considered in your review. Sending a generic letter claiming that no new information has been receivedwhile failing to respond to my specific verification request and not addressing the supporting evidence I submittedconstitutes a failure to properly investigate my dispute as required by law. 

Therefore, I am formally demanding that Equifax : Immediately reinvestigate this account, Provide a detailed explanation of the verification process used, including the requested identifying information, Include a statement in my file reflecting that this account is disputed, and Remove the inaccurate information if the furnisher can not provide verifiable proof of its accuracy and ownership. 

also, dispute the reinsertion of a previously deleted account " XXXX '' on my credit file, which Equifax has done without providing the legally required notice within XXXX ( XXXX ) business days, in clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( XXXX ) ( B ). Additionally, if this reinsertion involves a third-party debt collector, it may also violate the Fair Debt Collection Practices Act ( FDCPA ) and Regulation F ( XXXX CFR Part XXXX ). 

Under the FCRA, if a consumer reporting agency reinserts previously deleted information into a consumers file, it must notify the consumer in writing within XXXX business days of the reinsertion. As of the date of this letter, I have not received any such notice, despite the derogatory account appearing once again on my credit file. 

This failure to notify me constitutes a serious violation of my rights under federal law. Moreover, I never received : XXXX ( XXXX ) The method by which Equifax reverified the account ; Any supporting documentation confirming the legitimacy and ownership of the account. 

I am demanding that Equifax immediately : XXXX. Delete the reinserted account from my credit report ; XXXX. Provide a written explanation detailing the reinsertion, including the date of reinsertion, the identity of the furnisher, and the supporting information used ; XXXX. Confirm compliance with FCRA XXXX ( a ) ( XXXX ) ( B ) ; XXXX. If applicable, provide documentation showing that any involved debt collector complied with Regulation F and the FDCPA. 

If this matter is not resolved within XXXX calendar days, I will have no choice but to file formal complaints Federal Trade Commission ( FTC ), and State Attorney Generals Office, and I will consider seeking legal remedies under the FCRA and FDCPA, which provide If you do not comply with your legal obligations under the FCRA, I will have no choice but to consider filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursue legal remedies. 

Please respond in writing within XXXX  days of receipt of this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation