Consumer complaint received 2025-07-19 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:
I am filing this complaint against Equifax for failing to comply with my rights under the Fair Credit Reporting Act ( FCRA ), specifically regarding a reasonable reinvestigation and provision of Method of Verification ( MOV ) details for accounts listed on my credit report. 

On XX/XX/XXXX, I submitted a formal request for the Method of Verification ( MOV ) under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 6 ) ( B ), for these accounts. I specifically requested 'the name and contact information of the furnisher, the method used, and copies of any documentation you relied upon '. 

Furthermore, on XX/XX/XXXX, I sent a letter invoking my rights under 15 U.S.C. 1681c-2, requesting the immediate deletion of these accounts due to evidence of identity misuse, and enclosed an FTC Identity Theft Report. 

Your reinvestigation results, while providing an outcome, have failed to include the requested detailed Method of Verification. Specifically, you did not provide a description of the procedures used to determine accuracy, the name and business address of any furnisher contacted, nor copies of any documentation relied upon for verification. This constitutes a direct violation of your duty under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) to provide such information upon my request. Additionally, you have failed to properly act on my identity theft claim under 15 U.S.C. 1681c-2, which mandates deletion upon receipt of a valid identity theft report. 

The fact that critical inaccuracies and contradictions continue to persist on my credit report for these items only underscores the inadequacy of your verification process without the required MOV details : XXXX, XXXX ( Account # XXXX ) : Your report currently shows 'CONSUMER DISPUTES - REINVESTIGATION IN PROGRESS '. However, the account still lists 'Original creditor XXXX XXXX XXXX ', which implies a sale. This contradicts XXXX XXXX 's own official response ( dated XX/XX/XXXX, CFPB ID XXXX ), confirming they were a 'third-party debt collector ' and not the owner. Your investigation failed to address this fundamental contradiction regarding ownership. 

XXXX Card ( Account # XXXX ) : Your report states the account status is 'Charge-off ' and shows a 'Balance ' of {$310.00}, but my previous Equifax report ( XX/XX/XXXX ) explicitly states the 'Charge Off Amount ' is " {$0.00} '. This is a direct and irrefutable contradiction that your investigation should have identified and resolved. 

XXXX XXXX, XXXX ( Account # XXXX  - Charge Card ) : Your report lists the 'Account Type ' as 'Revolving ' and 'Loan Type ' as 'CHARGE ACCOUNT '. This fundamental categorization contradicts my Experian report, which lists this as 'Account type : XXXX XXXX '. Your investigation failed to resolve this inconsistency. Your report also lists 'CONSUMER DISPUTES - REINVESTIGATION IN PROGRESS '. 

XXXX XXXX XXXX ( Account # XXXX - Unsecured Loan ) : Your report still shows XXXX : {$2500.00} ' and 'Status : Charge-off '. My previous Equifax report ( XX/XX/XXXX ) noted 'CONSUMER DISPUTES AFTER RESOLUTION ' for this account, indicating a prior insufficient investigation that you failed to address. 

XXXX XXXX XXXX ( Account # XXXX - Secured Card ) : Your report states 'Open/closed : Closed ' and 'Comments : ACCOUNT CLOSED BY XXXX XXXX '. It also notes 'CONSUMER DISPUTES - REINVESTIGATION IN PROGRESS '. Your investigation failed to address this unauthorized closure of an unactivated card or reconcile why a more complete history is not consistently reported across all bureaus. 

Due to your direct non-compliance with my FCRA rights regarding the Method of Verification and your failure to properly address my identity theft claim, and the continued inaccurate and misleading reporting : I demand the immediate and complete deletion of the XXXX, XXXX Card, XXXXXXXX XXXX XXXX ( Charge Card ), and XXXX XXXX XXXX ( Unsecured Loan ) accounts from my credit report. 

For the XXXX XXXX XXXX ( Account # XXXX - Secured Card ), I demand that you update this account to an OPEN status and report its complete, positive payment history backdated to XX/XX/XXXX, removing the XXXX closed at credit XXXX 's request ' remark. 

If these specific FCRA violations are not remedied, I will escalate this matter further with the Consumer Financial Protection Bureau ( CFPB ) for your explicit non-compliance, and consult legal counsel for potential litigation under the FCRA ( 15 U.S.C. 1681n and 1681o ).

Company response to consumer: Closed with non-monetary relief