Consumer complaint received 2025-08-10 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: FL

Complaint narrative:
This complaint details a new, distinct, and egregious FCRA violation by Equifax, specifically their failure to provide proper verification of disputed accounts and their subsequent faulty investigations. This is separate from any prior filings concerning account accuracy and addresses a fundamental breach of my consumer rights. 

On XX/XX/year>, I sent a formal Method of Verification ( MOV ) request via certified mail to Equifax [ cite : XXXX - Equifax - General - MOV Request.pdf ]. This letter explicitly demanded 'the name and contact information of the furnisher, the method used, and copies of any documentation you relied upon " to verify disputed accounts. 

Despite this clear and legally mandated request, Equifax failed to provide any of the requested Method of Verification details in their subsequent dispute results or communications. Instead, their responses merely stated items were 'verified as accurate ' or 'no change needed ' without offering any transparency or documentation of how this verification was conducted or what specific documents were relied upon. 

This failure is evident in their latest report ( XX/XX/year> ) [ cite : EquifaxXXXX  ] and dispute results for the following accounts : XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) : Equifax reports this account as 'Charge Off " [ cite : EquifaxXXXX, page XXXX ]. Despite my disputes, Equifax has failed to provide MOV details to substantiate its accuracy or the method of its verification. 

XXXX XXXX XXXX  XXXX XXXX ( # XXXX ) : Equifax reports this account as 'Pays As Agreed ' [ cite : EquifaxXXXX, page XXXX ]. This account was previously deleted and then re-inserted. Equifax has failed to provide MOV details for its re-insertion and continued reporting. 

XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  ) : Equifax reports this as 'Charge Off " [ cite : EquifaxXXXX page XXXX ]. Despite my disputes regarding payment history manipulation, Equifax has failed to provide MOV details. 

XXXX XXXX XXXX XXXX ( # XXXX ) : Equifax reports this as 'Account closed ; was XXXX Days Past Due " [ cite : EquifaxXXXX, page XXXX ]. Equifax has failed to provide MOV details to substantiate this status. 

XXXX, XXXX ( # XXXX ) : Equifax reports this as 'Charge Off " [ cite : EquifaxXXXX, page XXXX ]. This account has conflicting payment histories across bureaus and was re-reported with a new derogatory mark by XXXX after it was sold. Equifax has failed to provide MOV details. 

XXXX XXXX XXXX Unsecured Loan ( # XXXX ) : Equifax reports this as 'Charge Off " [ cite : EquifaxXXXX, page XXXX ]. This account was also recently re-opened without authorization. Equifax has failed to provide MOV details. 

XXXX XXXX XXXX Secured Card ( # XXXX ) : Equifax reports this as XXXX Off " [ cite : EquifaxXXXX page XXXX ]. This account was unilaterally closed. Equifax has failed to provide MOV details. 

XXXX XXXX XXXX XXXXXXXX ) : Equifax reports this as 'Pays As Agreed ' [ cite : EquifaxXXXX, page XXXX ]. Equifax has failed to provide MOV details. 

This constitutes a direct and willful violation of 15 U.S.C. 1681i ( a ) ( 7 ), which explicitly requires a consumer reporting agency to provide such information upon request. This failure to provide MOV details demonstrates a profound disregard for their duty to conduct a reasonable reinvestigation and assure maximum accuracy, causing immediate, measurable harm by maintaining unverifiable information on my credit report. If any human that reads this and allows no change, they are intentionally ignoring my undeniable proof of these violations and writing the law as they see fit.

Company response to consumer: Closed with non-monetary relief