Consumer complaint received 2025-02-10 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: CA

Complaint narrative:
I am writing to follow up on my previous dispute regarding fraudulent accounts on my credit report. I provided a valid FTC Identity Theft Report and requested removal of these accounts under FCRA 605B. However, I was informed that these accounts were verified as accurate.

I am perplexed by this response, because not only was the valid FTC Identity Theft Report not honoredbut the verified accounts are NOT even reporting consistently across the XXXX bureaus, as the information reported across XXXX, Equifax, and XXXX is different. The reported balances, account open dates, and account closed dates do not match across all three bureaus, which is a direct violation of FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), requiring credit bureaus to ensure maximum possible accuracy. Furthermore, under Cushman v. TransUnion ( 1997 ), EQUIFAX is legally required to verify data beyond simply relying on the furnishers response.

If each bureau has a different account balance, date open, date closed, account information etc, how can these accounts be verified and reporting accurately?

# 1. Equifax Dispute : Account Name : XXXXXXXX XXXX Account Number : XXXX According to Cushman v Transunion 1997, XXXX is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 16811, 15 USC 1681s-2. 15 USC 1681 ( 5 ), 15 USC 1681e ( b ). Delete ACCOUNT # XXXX. Equifax Dispute : Account Name : XXXX XXXX XXXX Account Number : XXXX According to Cushman v Transunion 1997, XXXX is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 16811, 15 USC 1681s-2. 15 USC 1681 ( 5 ), 15 USC 1681e ( b ). Delete ACCOUNT # 3. Equifax Dispute : Account Name : XXXX XXXX XXXX Account Number : XXXX According to Cushman v Transunion 1997, XXXX is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 16811, 15 USC 1681s-2. 15 USC 1681 ( 5 ), 15 USC 1681e ( b ). Delete ACCOUNT # 4. Equifax Dispute : Account Name : XXXX XXXX. Account XXXX XXXX. According to Cushman v Transunion 1997, XXXX is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 16811, 15 USC 1681s-2. 15 USC 1681 ( 5 ), 15 USC 1681e ( b ). Delete ACCOUNT # XXXX. Equifax Dispute : Account Name : COMENITYBANK/SGUIDEVS. Account XXXX XXXX. According to XXXX XXXX XXXX 1997, XXXX is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 16811, 15 USC 1681s-2. 15 USC 1681 ( 5 ), 15 USC 1681e ( b ). Delete ACCOUNT Pursuant to FCRA 611 ( 15 U.S.C. 1681i ), I am now demanding that you provide the 1.Method of Verification used to confirm these accounts. Specifically : The name, address, and telephone number of the entity you contacted to verify these accounts.

2. A detailed explanation of the process used to determine their accuracy.

3. Proof that a proper reinvestigation was conducted beyond an automated response.

4. A copy of all procedural request records related to the verification of this dispute, including any correspondence with the furnisher.

Additionally, these accounts violate the following FCRA regulations : 15 U.S.C. 1681i Failure to properly investigate disputes.

15 U.S.C. 1681s-2 Furnishers are reporting inaccurate or unverifiable information.

15 U.S.C. 1681i ( 5 ) Failure to correct or delete inaccurate information after a dispute.

15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy in reporting.

Under FCRA 611 ( a ) ( 7 ), you are required to provide this information within 15 days of receiving this request. If you fail to verify the source of this information, the accounts must be immediately deleted from my credit report.

I appreciate your prompt cooperation in resolving this matter. However, if I do not receive a satisfactory response within the legally required timeframe, I will escalate this issue by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and exploring further legal remedies, including seeking damages under FCRA 616 and 617 for willful and negligent noncompliance.

Thank you for your immediate attention to this matter. I look forward to your response.

Company response to consumer: Closed with explanation