Consumer complaint received 2025-11-24 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:
FCRA DISPUTE RESPONSE DEMAND FOR PROPER REINVESTIGATION & METHOD OF VERIFICATION To Equifax Information Services, LLC This letter is in response to your recent statement claiming that you verified the XXXXXXXX XXXX XXXX  account and modified several fields. Your response does not comply with your statutory obligations under the Fair Credit Reporting Act ( FCRA ), specifically : 1. Failure to Conduct a Reasonable Reinvestigation FCRA 611 ( a ) ( 1 ) ( A ) Equifax is required to conduct a reasonable reinvestigation of disputed information. Simply transmitting an electronic XXXX  to the furnisher and accepting whatever they respond with does not meet the legal standard for a reasonable investigation. 

Courts have held that a CRA must do more than act as a passive conduit : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) CRAs must conduct an independent investigation. 

XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ) Furnishers must also conduct a reasonable investigation, not merely confirm their own records. 

Your boilerplate explanation suggests no independent verification, no document review, and no validation beyond the furnishers word, which violates 611 ( a ).

2. Failure to Provide Method of Verification FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) Upon completing an investigation, the FCRA requires Equifax to provide the method of verification used to confirm the disputed information upon request. 

Your response merely states that you contacted the furnisher and that they verified the item. This is insufficient under the law.

I am formally requesting : METHOD OF VERIFICATION ( MOV ) Request FCRA 611 ( a ) ( 7 ) Provide, within 15 days : The exact method used to verify the XXXX account. 

The name of the individual at XXXX who verified the account. 

The documentation XXXX supplied to prove : I am the correct consumer, The data reported is accurate, The dates, status, charge-off, and payment history are correct. 

If you can not produce this information in writing, the item must be deleted immediately as required by 611 ( a ) ( 5 ) ( A ).

3. Equifax Modified Fields Without Providing Evidence Violation of 611 ( a ) ( 1 ) & 611 ( a ) ( 5 ) You mention multiple changes : Closed date Scheduled payment Past due Charge-off amount Additional information Account history Changing fields without providing the evidence used to justify those changes and still claiming the account belongs to me is contradictory and fails the requirement to correct or delete inaccurate information. 

This suggests that the item is unreliable and should have been removed, not verified.

4. Failure to Provide Furnisher Contact Information 611 ( a ) ( 6 ) ( B ) ( iii ) The law requires you to provide the name, address, and telephone number of EACH furnisher you contacted during the investigation. This was not included in your response or in the
documentation you referenced.

5. Demand for Deletion Under FCRA 611 ( a ) ( 5 ) ( A ) Because Equifax failed to : conduct a reasonable investigation, provide proper method of verification, provide the required furnisher information, support the accuracy of modified data, You are required by law to DELETE the disputed item from my file.

DEMAND FOR ACTION I am requesting the following : Full method of verification pursuant to 611 ( a ) ( 7 ). 

All documentation used to verify the account. 

Immediate deletion of the XXXXXXXX XXXX XXXX  account if you can not produce documentary evidence supporting each data point.

A corrected copy of my Equifax credit file sent to me and to all companies that received my report within the past 6 months ( 611 ( d ) ).

Failure to comply will result in : A new CFPB complaint A demand for compliance under FCRA 616617 for willful or negligent noncompliance Potential civil claims for damages

Company response to consumer: Closed with explanation