Consumer complaint received 2025-10-29 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:
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. For the second time, 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 to prevent identity theft that states 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 delenquency 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. 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. Trade Line : XXXX XXXX Account Number : XXXX. 

This trade line has caused me to get a recent job offer rescinded which has led to significant financial damages for my family and I. No consumer should have to carry this burden. I have attached my latest letter requesting the information above that was sent to you on XX/XX/XXXX. You have claimed to verify the information as accurate on all 4 previous disputes. And even after allegedly verifying this trade line all 4 times, you recently updated the closed date to XX/XX/XXXX? How do you deem that accurate when the account was charged off previously? The investigation wasn't done with due diligence, that's the takeaway and I am the one getting my rights violated. Not ok. I want the complete detail of all information requested above as I plan to seek legal counsel if not resolved.

Company response to consumer: Closed with non-monetary relief