Consumer complaint received 2025-06-10 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX [ Email Address optional ] XXXX XXXX XXXX To : Equifax XXXX XXXX XXXXXXXX XXXX, GA XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Demand for Procedural Request and Full Documentation under FCRA XXXX XXXX. XXXX ( Section XXXX ) Equifax Account : XXXX | TransUnion Account : XXXX To Whom It May Concern : This is a formal demand for a full procedural request and verification under Section 609 of the Fair Credit Reporting Act ( 15 U.S.C. 1681g ) regarding the inaccurate charge-off account XXXX, currently being reported by both Equifax and TransUnion. 

I am specifically requesting the following : 1. A full breakdown of how this account was verified, including the complete method of verification.

2. The name, address, and contact information of the furnisher of the information.

3. Original documentation from the data furnisher that you used to verify this account.

4. An itemized audit trail showing when and how you investigated this dispute, including whether it was handled manually or through any automated system such as XXXX. 



It is not legally sufficient for you to merely verify this information with the furnisher electronically. Under the law, you must obtain and review the original source documentation that substantiates the accuracy of every data point you are reportingespecially for derogatory accounts such as charge-offs. 

Additionally, you are already aware that both Equifax and TransUnion have been sued and fined millions of dollars by the Consumer Financial Protection Bureau ( CFPB ) for failing to properly investigate consumer disputes : Equifax was fined {$15.00} XXXX for violating consumer rights in handling dispute procedures. 

TransUnion was fined {$25.00} XXXX for similar failures in performing legally compliant reinvestigations. 


I am putting you on notice : I will not accept a generic, pre-written, or auto-generated response. My dispute must be handled by a human agent, with full documentation sent to me by mail. If you fail to comply, you are in violation of : 15 U.S.C. 1681g ( Section 609 ) Full disclosure of all information in a consumers file ; 15 U.S.C. 1681i Failure to conduct a proper reinvestigation ; 15 U.S.C. 1681s-2 ( b ) Furnishers ' responsibilities upon notice of dispute. 


If the verification can not be properly supported with documentation, this account must be removed immediately from my credit file. Continuing to report unverifiable or inaccurate information is considered willful noncompliance, which opens you up to statutory and punitive damages under 15 U.S.C. 1681n and 1681o. 

This is a final attempt to resolve this matter amicably and with full legal compliance. If I receive another stall letter, or you continue to report unverifiable information, I will be filing formal complaints with the CFPB, FTC, and my State Attorney General, and I will pursue civil remedies in court. 
Trans Union have been sued by the cfpb for continuing to seen stall letter instead of proper investigation. I would like cfpb to assist me in filing a lawsuit against trans union and Equifax. 
Do not mail me a 502 letter from a generated XXXX XXXX or automated letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief