Consumer complaint received 2025-10-05 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: CA

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Re : Continued Dispute of Inaccurate Credit Reporting Account : XXXXXXXX XXXX To Whom It May Concern : I am writing in response to your XX/XX/year>, correspondence regarding my dispute of the XXXXXXXX XXXX account ( complaint number being XXXX ) currently appearing on my XXXX credit report. You stated that this item was verified ; however, your response is legally insufficient, and the information remains in dispute. 
This letter serves as a formal request for reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and a renewed dispute of the accuracy and completeness of the account as currently reported. It also provides formal notice of my intent to escalate this matter, including regulatory complaints and civil action, if you do not comply with federal law.

1. Inadequate Verification and FCRA Violations Your response failed to provide a description of the procedure used to verify the disputed information, including the name, address, and telephone number of the furnisher, as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). A generic statement that the item was verified without meaningful detail is insufficient.

You are obligated to conduct a reasonable reinvestigation of all disputed information. This includes obtaining original source documentation from the furnishernot merely relying on automated responses or internal records. Failure to meet this standard constitutes negligent or willful noncompliance.

2. Metro 2 Format Violations Additionally, based on how this account is currently reporting, it appears to contain fields that are non-compliant with Metro 2 formatting standards, which may include but are not limited to : Scheduled Monthly Payment reporting a non-zero balance on a closed or charged-off account ; Account Status or Payment Rating codes misrepresenting the state of the account ; Date Closed or Date of First Delinquency being inaccurately reported or omitted ; Any combination of status codes that misleads lenders about my actual liability or account standing.

As you know, furnishers and CRAs are required under the FCRA to report only accurate and complete information. Any data that misrepresents or fails to reflect the true history of the account violates both federal law and industry standards.

3. Notice of Intent : CFPB Complaint and Legal Action Be advised that if you do not fully address this dispute within the required timeframe ( 30 days ), I will : Submit a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) ; Provide the Federal Trade Commission ( FTC ) with a copy of your failure to comply with FCRA standards ; Pursue legal action for willful noncompliance under 15 U.S.C. 1681n ( a ), which provides for : ( 1 ) Any actual damages sustained by the consumer as a result of the failure ; ( 2 ) Statutory damages of not less than {$100.00} and not more than {$1000.00} ; ( 3 ) Punitive damages as the court may allow ; and ( 4 ) The costs of the action together with reasonable attorneys fees.

Please treat this letter as a final opportunity to correct or delete the inaccurate information before I escalate further.

4. Required Action Accordingly, I demand that Equifax : Conduct a reasonable and thorough reinvestigation of this XXXX XXXX  account ; Provide a detailed method of verification, including the name, address, and phone number of the data furnisher and the documentation used ; Delete or correct any information that can not be fully and lawfully verified ; Provide me with an updated copy of my credit report reflecting the results of this reinvestigation. 
Thank you for your prompt attention. Failure to comply will result in immediate regulatory and legal escalation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief