Consumer complaint received 2025-05-15 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 XXXX, GA XXXX Subject : Formal Dispute and Demand for Investigation FCRA Violations, Improper Reinsertion, and Inaccurate Reporting To Whom It May Concern, This letter is a formal dispute and second demand for response regarding serious issues with my credit file that remain unaddressed. On XXXX XXXX also XXXX XXXX I submitted a complaint via certified mail concerning a reinserted item that was added to my credit report without proper notification, in clear violation of the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 5 ) ( B ). Equifax has not provided a written explanation within XXXX ( XXXX ) business days of reinsertion, as required by law. 

Additionally, Equifax has recently added an account " XXXX '' which a debt collector " XXXX '' is asking for me to pay them for this alleged debt after hours at XXXX which is a FDCPA violation this account is filled with inaccuracies : Inaccurate closing dates Incorrect or misleading payment history No evidence that the alleged account or debt is valid or accurate I previously requested the method of verification for this account and specifically asked : 1. What documents or records were used to verify the accuracy of the account?

2. Who at Equifax conducted the investigation, and whom did they speak with at the data furnishing company?

3. Why was the item verified as accurate if the information clearly conflicts with available documentation? 
4. What did they say, what time did they speak, what number did they call?

To date, Equifax has refused to remove the inaccurate account and failed to provide any of the information I lawfully requested. This is a direct violation of my rights under the FCRA, including but not limited to : 611 ( 15 U.S. Code 1681i ) : Failure to conduct a reasonable reinvestigation 607 ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy 611 ( a ) ( 7 ) : Failure to provide description of the procedure used to determine the accuracy and completeness of the information I am now demanding the following : 1. Immediate removal of the disputed account and any reinserted item ( s ) unless full documentation and source verification can be provided.

2. A written explanation outlining the method of verification used in this matter. 
XXXX. A list of documents reviewed, and the names and contact details of the entities or individuals Equifax communicated with during the investigation.

4. A corrected copy of my credit report reflecting all accurate and verifiable information.

Please understand that your ongoing refusal to address these concerns and failure to follow FCRA guidelines may subject Equifax to liability. If I do not receive a satisfactory response within XXXX calendar days, I will proceed with formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals office. I am also prepared to pursue all available legal remedies. 

For your reference, I have enclosed a copy of my certified mail receipt, prior correspondence, and identifying documentation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation