Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
* * METHOD OF VERIFICATION DEMAND POST-VERIFIED DISPUTE FCRA 604, 611, 612, 623 | 15 U.S.C. 1681b, 1681i, 1681j, 1681s-2 ( b ) * * Re : Formal Demand for Method of Verification & Reinsertion of Previously Disputed Information Account : XXXXXXXX XXXX XXXX XXXX XXXX Acct No. XXXXXXXX XXXX  Date Last Reported : XX/XX/year> ( showing inconsistent and inaccurate data across all bureaus ) To Whom It May Concern : This letter serves as a formal demand for the Method of Verification pursuant to the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 7 ). 
I recently disputed the above-referenced account due to multiple inaccuracies and inconsistencies. Yet your agency responded by stating that the account was verifieddespite the fact that no corrections were made, and the reporting across all bureaus remains internally contradictory, including : Conflicting Account Types ( Open vs. Collection ) Conflicting Status History Incorrect and inconsistent Date Last Active Reporting Past Due on a collection, which is not permissible Contradictory Comments not aligned with Metro 2 guidelines Updates showing continued activity on a closed/collection debt These discrepancies indicate that no reasonable investigation was performed, as required by FCRA 1681i ( a ) and 1681s-2 ( b ).

I AM DEMANDING THE FOLLOWING UNDER FCRA LAW : 1. Provide the complete METHOD OF VERIFICATION Under FCRA 611 ( a ) ( 7 ), you are required to disclose : Exactly who you contacted at the furnisher The method used to verify the information The name, phone number, and business address of the party who verified it The specific documents used to verify the account A simple verified response is not legally sufficient and has been the subject of multiple federal lawsuits and class actions against your agency for failure to conduct reasonable investigations. 
You are legally obligated to provide this information within 15 days of receiving this letter.

2. Provide copies of any documents allegedly used to verify the account This includes, but is not limited to : Signed application Contract Billing statements Charge-off documentation Transfer/assignment documentation Original creditor itemization If you do not possess these documents, then you could not have verified the account, and it must be deleted under FCRA 611 ( a ) ( 5 ).

3. Clarification Request Regarding Any Alleged Cancellation-of-Debt Income Because this account is being reported as a charge-off, I am requesting clarification on whether any portion of this debt was forgiven, canceled, or discharged, which would typically require the issuance of IRS Form 1099-C.

I am not asserting wrongdoing ; however, if any cancellation-of-debt activity occurred and no 1099-C was issued, this would
further indicate incomplete or inaccurate reporting, which must be corrected under FCRA 623 ( a ) ( 1 ).

Please confirm : Whether a charge-off occurred Whether any amount was forgiven Whether a 1099-C was issued 4. Notice of Potential FCRA Non-Compliance Your agency has been involved in multiple federal lawsuits for : Failing to conduct reasonable investigations Verifying disputed information without documentation Reinserting inaccurate data without proper notice This letter serves as documentation that you were given another opportunity to correct the information before further action is taken. 
If you fail to respond in full, or continue reporting inaccurate or unverifiable information, I will pursue all remedies available to me under : FCRA 616 Civil Liability for Willful Noncompliance FCRA 617 Civil Liability for Negligent Noncompliance FCRA 623 ( c ) Private Right of Action for Furnisher Violations State consumer protection statutes 5. Required Action Within 15 days, you must : Provide ALL requested verification documentation, or Delete the account entirely from your reporting system. 
Failure to comply will be taken as your formal admission that the account can not be verified according to federal law, and I will proceed accordingly.

Company response to consumer: Closed with explanation