Consumer complaint received 2025-08-26 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:
I previously disputed the accuracy of a Bank XXXX XXXX account being reported on my Equifax credit file. The account details are as follows : Creditor/Furnisher : XXXX  of XXXX XXXX by : Equifax Account Type : Credit Card Status Reported : Closed / Charged Off ( with balance and delinquency reporting ) Date Opened : XX/XX/XXXX Balance Reported : {$19000.00} ( charged off ) Past Due Amount : Listed simultaneously as past due despite charge-off status The companys response stated only that the furnisher had verified the information, without providing any documentation or the legally required Method of Verification. This is inadequate and violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) : XXXX. FCRA XXXX ( 15 U.S.C. 1681i ) : The company must conduct a reasonable reinvestigation. Simply confirming that the furnisher said the information is correct does not constitute a reasonable investigation. 
XXXX. FCRA XXXX ( a ) ( XXXX ) : I am entitled to the Method of Verification, including a description of the procedures used and the identity of parties contacted. No such information was provided. 
XXXX. FCRA XXXX ( b ) ( 15 U.S.C. 1681e ( b ) ) : Equifax is required to follow reasonable procedures to ensure maximum possible accuracy. Continuing to report contradictory information ( charged off but still past due ) without documentary proof violates this duty. 
XXXX. FCRA XXXX ( 15 U.S.C. 1681s-2 ( b ) ) : The furnisher, XXXX XXXX XXXX , is also required to conduct its own reasonable investigation and provide supporting records. If the company can not produce original records ( signed agreements, full payment histories, charge-off calculations, or XXXX documentation ), then the account can not lawfully remain on file. 


Requested Relief I request that the CFPB require the company to : XXXX. Provide the full Method of Verification, including : The names and contact details of any parties contacted ; A detailed description of the exact procedures used ; Copies of all documents relied upon ( original signed contract, account statements, charge-off records, and any XXXX forms ). 
XXXX. If the company can not produce such documentation, require deletion of this account from my credit file pursuant to FCRA XXXX and XXXX. 
XXXX. Ensure compliance with XXXX XXXX standards for accurate, consistent, and complete reporting. 


Background for CFPB Review Prior Complaint : Filed on XX/XX/XXXX responded to on 8/26/2025.

Companys Response : Closed with non-monetary relief. Equifax claimed XXXX  XXXX XXXX verified the account but did not provide the Method of Verification or documentation. 
Current Status : The account remains on my file with conflicting and unsupported information. 

This is now my second complaint. The first response failed to meet the requirements of the FCRA. I request regulatory enforcement to ensure that this disputed tradeline is either fully documented or permanently removed.

Company response to consumer: Closed with explanation