Consumer complaint received 2025-08-23 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Demand for Reinvestigation of Disputed Transactions Under the Fair Credit Reporting Act ( 15 USC 1681i ( 7 ) ) To Whom It May Concern : I am writing to formally dispute the accuracy of certain transactions reported on my consumer credit file. I demand an immediate reinvestigation of the disputed items listed below, as mandated by15 USC 1681i ( 7 ) of the Fair Credit Reporting Act ( FCRA ). This letter serves as both notice of dispute and a request for reinvestigation in compliance with federal law. 

Disputed Transactions Account Name/Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Legal Basis for Reinvestigation Under15 USC 1681i ( 7 ), Equifax is required to conduct a prompt, thorough, and complete reinvestigation of any disputed information within15daysof receiving a dispute ( or45 daysif additional information is provided ). You must review all relevant information I have provided and contact the furnisher of the disputed information to verify its accuracy.

Additionally,15 USC 1681e ( b ) imposes an obligation on Equifax to ensure that all information contained in a consumer report is reported withmaximum possible accuracy. Continuing to report inaccurate, incomplete, or unverifiable information constitutes a breach of this duty. 

If the disputed items can not be verified, they must be corrected or deleted from my consumer report in accordance with15 USC 1681i ( a ) ( 5 ). Failure to do so would be a direct violation of the FCRA, subjecting Equifax to statutory and actual damages.

Supporting Case Law Numerous court decisions affirm your obligations under the FCRA, including but not limited to : XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case established that credit reporting agencies must perform meaningful reinvestigations and can not simply rely on information provided by furnishers. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : The court ruled that continued reporting of unverifiable or inaccurate information constitutes a clear violation of the FCRA. 
XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This decision emphasized that credit reporting agencies are liable for failing to ensure accuracy and for noncompliance with their reinvestigation obligations. 

These rulings underscore Equifaxs legal responsibility to comply fully with the FCRA during the reinvestigation process.

Demands I hereby demand the following actions be taken immediately : Reinvestigation : Conduct a comprehensive reinvestigation of the disputed items, including direct verification with the furnisher of the information.

Correction or Deletion : If the disputed items are found to be inaccurate, incomplete, or unverifiable, they must be corrected or removed from my report, per15 USC 1681i ( a ) ( 5 ). 
Documentation : Provide me with a detailed summary of your findings, including the names and contact information of all parties contacted during the reinvestigation process. 
Notification to Third Parties : Notify any third parties who have accessed my consumer report in the past six months ( or two years for employment purposes ) of any corrections made, as required by15 USC 1681i ( d ).

Consequences of Noncompliance If you fail to comply with your statutory obligations, I will pursue all available remedies under the FCRA, including : Filing a formal complaint with theConsumer Financial Protection Bureau ( CFPB ) and theFederal Trade Commission ( FTC ).

Initiating legal action under15 USC 1681nand15 USC 1681o, seeking statutory damages, actual damages, attorneys fees, and court costs.

Conclusion You are required by law to respond to this dispute and provide the results of your reinvestigation within30 daysof receipt of this letter. I expect a timely and comprehensive resolution to this matter. Failure to comply will result in further legal action. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation