Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Subject : Request for Verification and Removal of Unverifiable Account Information FCRA 1681i ( a ) ( 7 ) / FDCPA 1692e, 1692f / FCRA 1681s-2 ( b ) Dear Equifax Information Services LLC , I am writing to formally request a detailed description of the method of verification used for the account reported by XXXX XXXX XXXXXXXX XXXX XXXX XXXX as well as to address the unverifiable account reported by XXXX XXXX XXXX  . My recent dispute regarding these accounts was closed with the claim that the information was " verified '' as accurate. However, I believe this conclusion is erroneous and does not comply with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Account Dispute Details : Disputed Account : XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX Nature of Dispute : This account has been paid as agreed directly to XXXX. The reporting of this account as delinquent is incorrect and should be removed from my consumer report. 
Unverifiable Account : XXXX XXXX XXXX Account Number : XXXX Nature of Dispute : This account is not mine. I contacted XXXX XXXX XXXX, and they were unable to verify the account. The amount reported ( {$24000.00} ) is incorrect and should be removed from my consumer report. 
Legal Basis for Request : Pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act, I am formally requesting that you provide a full and detailed description of the method of verification used for the above-referenced accounts. This includes : The specific procedures and steps taken to verify the accuracy of the information.

The sources of information used in the verification process.

Any documentation or evidence that supports the verification of the account details.

Legal Requirements : FCRA 1681i ( a ) ( 7 ) : This section requires that you provide a detailed description of the method of verification used to determine the accuracy of the disputed information.

FDCPA 1692e and 1692f : These sections prohibit the use of any false, deceptive, or misleading representation or means in connection with the collection of any debt and unfair or unconscionable means to collect or attempt to collect any debt.

FCRA 1681s-2 ( b ) : This section requires furnishers of information to promptly update and correct any inaccurate information upon notice from a consumer reporting agency.

Request for Action : I request that you immediately investigate the verification process used for the above-referenced accounts and provide me with a detailed description of the method of verification. Additionally, I request that you remove the unverifiable account reported by XXXX XXXX XXXX from my consumer report, as it does not comply with the FCRA and FDCPA.

Failure to comply with this request may result in legal action under the FCRA and FDCPA. I expect your prompt attention to this matter and look forward to your response within the next 30 days.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation