Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
REFRENCE TO PREVIOUS CFPD COMPLAINT # XXXX Subject : Complaint Failure to Conduct Proper Reinvestigation and Failure to Provide Method of Verification ( FCRA Violations ) To Whom It May Concern, I am filing this complaint regarding inaccurate and outdated information reported on my credit file and the credit reporting agencys failure to comply with the Fair Credit Reporting Act ( FCRA ). Over the past years, I have sent four certified dispute letters to the credit reporting agency regarding inaccurate information appearing on my credit report. Each time, the bureau responded with a generic statement that the account had been verified, without providing any documentation or explanation of how the verification was conducted. Under the Fair Credit Reporting Act, consumers are entitled to a reasonable reinvestigation of disputed information. Specifically, under * * 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) * *, a consumer reporting agency must conduct a reasonable reinvestigation to determine whether disputed information is inaccurate. Additionally, under * * 15 U.S.C. 1681i ( a ) ( 7 ) * *, a consumer has the right to request and receive the * * Method of Verification ( MOV ) * * used by the credit bureau in the reinvestigation process. Accordingly, I sent another certified letter requesting the Method of Verification used to confirm the disputed account ( s ), including : The name, address, and telephone number of the party contacted during the investigation The procedure used to verify the information Copies of any documentation relied upon in the verification process To date, I have not received any response providing the requested Method of Verification. The continued reporting of disputed information without providing the requested verification or conducting a proper reinvestigation may constitute violations of the Fair Credit Reporting Act, including but not limited to : * * 15 U.S.C. 1681e ( b ) * * Failure to follow reasonable procedures to assure maximum possible accuracy * * 15 U.S.C. 1681i ( a ) * * Failure to conduct a proper reinvestigation of disputed information * * 15 U.S.C. 1681i ( a ) ( 7 ) * * Failure to provide the Method of Verification upon request Because the credit reporting agency has failed to provide the required Method of Verification and continues to report the disputed information, I am requesting that the Consumer Financial Protection Bureau investigate this matter. I respectfully request that the CFPB require the credit reporting agency to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and any other party related to this account 1. Provide the Method of Verification used to verify the disputed account ( s ) in compliance with 15 U.S.C. 1681i ( a ) ( 7 ). 2. Remove any information from my credit file that can not be properly verified. 3. Ensure that my credit report reflects only accurate and verifiable information in accordance with federal law. Despite multiple certified written disputes and requests for verification, the credit bureau has failed to provide the required information or correct the inaccuracies. Continuing to report disputed information without providing the requested Method of Verification raises serious concerns that the account is being reported without proper verification, which may constitute a violation of 15 U.S.C. 1681e ( b ) requiring maximum possible accuracy.

Company response to consumer: Closed with explanation