Consumer complaint received 2024-08-17 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: NC

Complaint narrative:
I have recently been informed that there is negative information reported by XXXX XXXX and XXXX XXXX in the file you maintain under my Social Security number. 

I have recently been informed that there is negative information reported by XXXX XXXX and XXXX XXXX in the file you maintain under my Social Security number. 

Accounts In question XXXX XXXX {$960.00} XXXX XXXX {$1700.00} I challenged the accuracy numerous times, compliance and reportability of this listing. It seems through the investigations Equifax is only verifying the name and address of my information, must I remind you per the FCRA Section 15 usc 1681 congress has imposed a grave responsiblity on the CRA to ensure accuracy of the reported information.

Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title. 


Please validate this information with [ name of creditor, collection agency, or court ] and provide me with copies of any documentation associated with this account, bearing my signature. 

In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification.

I do not consent to e-Oscar or any means of automated verification. 

Also I am requesting the method of reinvestigation utilized in previous disputes below are the dispute numbers. 
Confirmation number : XXXX Confirmation number : XXXX Confirmation number : XXXX Confirmation number : XXXX Confirmation number : XXXX Confirmation number : XXXX Confirmation number : XXXX Confirmation number : XXXX Confirmation number : XXXX Confirmation number : XXXX Confirmation number : XXXX Confirmation number : XXXX Confirmation number : XXXX Confirmation number : XXXX Confirmation number : XXXX Confirmation number : XXXX Confirmation number : XXXX Confirmation number : XXXX Confirmation number : XXXX Confirmation number : XXXX Confirmation number : XXXX Per 15 USC 1681 ( i ) ( a ) ( 7 ) - ( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 15 days from the date the CFPB advises Equifax of this complaint I am expecting to receive the reinvestigation method utilized by Equifax for the disputes listed.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act XXXX XXXX XXXX

Company response to consumer: Closed with explanation