Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX, XXXX XXXX XXXX Acct Number : XXXXXXXX XXXX XXXX This letter is a formal request for a re-investigation regarding the inaccurate account information on my credit report. I am writing to inform you that I have reason to believe that your investigation from a prior dispute did not follow the necessary standards of a " reasonable investigation '' as required by the Fair Credit Reporting Act ( FCRA ). 

According to Section 611 of the FCRA, you are required to conduct a reasonable reinvestigation of disputed information. To ensure that this re-investigation is conducted properly, I am invoking my right to receive details on your verification process.

Please provide me with the following information : 1. The name, business address, and phone number of the person or entity who verified this item.

2. The method of verification used to confirm the accuracy of this data.

3. Signed agreement debtor has made with creditor, or other verifiable proof that constitutes my contractual obligation to this debt. This signature must be in wet ink. 
4. Copy of the original promissory note/agreement redacting my social security number and address to prevent identity theft that states XXXX, XXXX, XXXX is the holder in due course of the note agreement and produced the original for my own and a judges inspection should there be a trial to contest these matters. 
5. The account and general ledger statement showing the full accounting of the alleged obligation. This data should include the following and reconcile to what is being reported : Current balance Original amount High Limit amount Terms : Payment Amount and frequency for the duration of obligation Last payment date Amount of last payment 1st delinquency date and amount Historical payment trend with corresponding rating key 6. Proof of your communication and date on which you contacted the original furnisher of the information.

Produce the required documentation verifying that this obligation is indeed my contractual responsibility in accordance with the FCRA. Should your offices fail to respond to this verification it will be construed that the reporting of this alleged debt has been misrepresented. In such circumstances, you are hereby instructed to immediately and permanently remove all derogatory entries related to this matter from my credit report. Failure to comply will be considered a direct violation of applicable law. 

I have requested this information on 4 different occasions only to receive a generic response saying that you verified the information. How are you tying this back to me? The requested detail above needs to be provided in full as this documentation will be used for legal counsel. This information on my report has caused me to get a job offer rescinded and has placed a heavy financial burden on my family and I. No one should have to carry the burden of the stress and the time this back and forth communication has taken.

Company response to consumer: Closed with explanation