Consumer complaint received 2025-03-31 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:
I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding a few erroneous items on my credit report. I was beyond appalled to learn that you somehow verified the disputed items in question somehow and they are still on my credit report, despite multiple previous written requests, which is now a violation of federal law.

According to the FCRA, you all have an obligation to have a copy of the original creditors documentation on file to verify that this information is mine and additionally, that it is reporting accurately. In the results of your initial and subsequent reinvestigation, you all simply stated in writing that you verified that these items are reported correctly, to which I ask the following question : who verified these accounts?

I ask because I am extremely interested in learning how you all arrived at this erroneous conclusion? I would like a complete list of all documents and any correspondence that came about in these alleged investigations. These lists should also include the names and contact information with anyone you all spoke with as part of this investigation.

Despite my request, you all have FAILED to provide me a copy of any ORIGINAL documentation ( a consumer contract with MY signature ON THE CONTRACT ) which is REQUIRED under Section 609 ( a ) ( 1 ) ( A ). Not only that, but you have also failed to provide me with the method of verification as required under Section 611 ( a ) ( 7 ).

If you were actually familiar with and lawfully abiding by the FCRA, you would know that under Section 611 ( 5 ) ( A ), you are REQUIRED to ... promptly DELETE all information which can not be verified as the law is written. This is extremely clear and clearly indicates both the civil liability and the remedy available to me ( please see Sections 616 & 617 ) if you fail to comply with Federal Law. Had you actually conducted a thorough investigation properly as opposed to using your e-Oscar system you would have known that these items listed below should have been removed. 

XXXXXXXX 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 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 XXXXXXXX, Equifax, et al XXXX the courts ruled in each and every instance throughout those cases that the Credit Reporting Agencies absolutely can not parrot information from creditors and collection agencies. In those rulings, it has been ruled that you all are REQUIRED to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/collection agency in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not deemed reasonable!

Company response to consumer: Closed with non-monetary relief