Consumer complaint received 2025-03-10 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: FL

Complaint narrative:
Subject : Formal Request for Method of Verification ( MOV ) and Documentation of Investigation To Whom It May Concern, I am writing to formally request the Method of Verification ( MOV ) and detailed documentation of the investigation conducted regarding the disputed items on my credit report. This request is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), which requires credit reporting agencies to provide a description of the procedure used to determine the accuracy and completeness of disputed information. 

Disputed Accounts and Information The following accounts and personal information were disputed on XX/XX/year> : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of Education Additionally, I disputed inaccurate personal information, including incorrect addresses. My only valid address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

Equifaxs Response On XX/XX/year>, Equifax responded to my dispute, claiming that the accounts were verified as accurate and that some personal information was updated. However, Equifax failed to provide : A detailed description of the Method of Verification ( MOV ) used to confirm the accuracy of the disputed items. 
Documentation or evidence from the furnishers ( e.g., XXXX XXXX XXXX, XXXX XXXX XXXX, etc. ) proving the accounts belong to me and are being reported accurately. 
A clear explanation of how Equifax ensured compliancem with the FCRA during its investigation. 
Repeated Violations of the FCRA Equifaxs failure to provide adequate verification and documentation is not an isolated incident. As highlighted in the Consumer Financial Protection Bureau ( CFPB ) enforcement action against Equifax ( Case No. XXXX ), Equifax has a history of failing to properly investigate consumer disputes and verify the accuracy of credit reporting information. 

In the CFPBs press release dated XX/XX/year>, the Bureau found that Equifax : Failed to properly investigate disputes and provide adequate documentation of verification procedures. 
Violated the FCRA by not following reasonable procedures to ensure maximum possible accuracy of credit reports. 
Engaged in systemic failures that harmed consumers by allowing inaccurate information to remain on credit reports. 
The CFPB ordered Equifax to pay {$15.00} XXXX in penalties and required the company to implement corrective measures to prevent future violations. Despite this, Equifax continues to fail in its obligations under the FCRA, as evidenced by its inadequate response to my dispute. 

Requested Documentation Pursuant to the FCRA, I request the following information and documentation : A detailed description of the Method of Verification ( MOV ) used to investigate each disputed item. 
Copies of all communications between Equifax and the furnishers ( e.g., XXXX XXXX XXXX, XXXX XXXX XXXX, etc. ) regarding the disputed accounts. 
Documentation or evidence provided by the furnishers to verify the accuracy of the disputed accounts. 
A detailed explanation of how Equifax ensured compliance with the FCRA during its investigation. 
Legal Obligations Under the FCRA, Equifax is required to : Conduct a reasonable investigation of disputed items. 
Provide a description of the procedure used to determine the accuracy and completeness of the information. 
Delete or correct inaccurate, incomplete, or unverifiable information. 
Failure to comply with these obligations constitutes a violation of the FCRA and may result in further legal action. 

Deadline for Response Please provide the requested documentation and information within 15 days of receipt of this letter. If Equifax fails to respond or provide adequate verification, I will have no choice but to escalate this matter further, including filing a complaint with the CFPB and pursuing legal action under the FCRA. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief