Consumer complaint received 2025-07-08 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana, XXXX Date : XX/XX/year> Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Request for Method of Verification and Full Documentation of Investigation and Immediate Deletion of Incomplete/Inaccurate Account per FCRA To Whom It May Concern : I am writing in response to a recent investigation you completed, in which you stated that an account on my credit report has been verified and/or updated. The credit file confirmation number : XXXX, is the letter I received. The account in question is : XXXX XXXX XXXX XXXX Account Number : XXXX BALANCE : {$0.00} Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I am formally requesting that you provide me with a detailed description of the procedures used to determine the accuracy and completeness of this information during your reinvestigation. Specifically : 1. ) What method did you use to verify this charged-off account?

2. ) Who was contacted at the furnishing company? Please provide their full name, title, company name, phone number, and email.

3. ) On what date and time was this contact made?

4. ) What specific information was updated as a result of the investigation?

5. ) What documents did the furnisher provide to support the continued reporting of this account?

6. ) Did the furnisher provide a copy of the original signed contract or agreement bearing my signature?

7. ) Did the furnisher provide a full payment history or ledger validating the charge-off status? 

8. ) Was a complete chain of ownership or assignment provided if the account was sold or transferred to another entity?

9. ) How did XXXX  determine this account meets the maximum possible accuracy standard required under 15 U.S.C. 1681e ( b )?

10. ) If the account could not be fully verified with documentation, why is it still being reported?

11. ) In the absence of full verification, why was this account not removed as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( A )?

12. ) The name, address, and phone number of each person or entity you contacted during the investigation. 

13. ) The dates and times of each communication with the furnisher of the disputed information.

14. ) A copy of all documentation or records you received from the furnisher as part of your investigation.

15. ) A clear explanation of how this information was verified and deemed accurate. 

16. ) After your investigation this account is not complete and accurate across all reporting credit reporting agencies, ( credit bureaus ) so how can this account be truly verified and/or updated?

17. ) If account is from a debt collector, please provide purchase agreement or assignment agreement between debt collector and the original furnisher.

18. ) Please provide the name, address, and phone number of the party that verified this account.

19. ) Please provide all documents and records that were used in the investigation and verification of this account.

20. ) What procedure was used to verify this information and who at the furnishing company was contacted?

21. ) What date and time did you speak to the data furnisher?

22. ) Was any original signed contract, account application, or itemized billing provided to you as evidence of accuracy?

23. ) Was this account verified using e-OSCAR or another automated method?

24. ) Does the furnisher currently have legal ownership of the debt, and was that confirmed during your investigation?

25. ) Copies of any documentation used to verify the account. If so please send them all to me.

26. ) Who conducted the investigation and what steps were taken.

27. ) Any communication logs or notes between the CRA and the furnisher/debt collector Please provide all documentation used during the investigation, including correspondence from the furnisher, within 15 days of receipt of this letter. You are required by law to respond within 15 days under FCRA 611 ( a ) ( 6 ) ( B ) ( ii ), and failure to provide this information constitutes non-compliance with federal law. If you are unable to provide the evidence and the information requested, you must immediately delete this account from my credit report as it can not be verified under FCRA 611 ( a ) ( 5 ) ( A ). 

Furthermore, continuing to report inaccurate, unverifiable, or incomplete information after being notified constitutes a violation of the FCRA, and I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state Attorney General 's office if necessary. 

I am requesting that this matter be resolved within the timeframe required by law. Please send me written confirmation of your findings or the permanent deletion of the account from my credit report. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation