Consumer complaint received 2025-11-29 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: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Re : XXXX & XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account No. XXXX ) To Whom It May Concern, I am writing in response to the dispute results Equifax provided through the CFPB portal regarding the XXXX XXXX XXXX XXXX loan on my credit file. Your response stated that the account was verified, but none of the specific issues I raised were actually addressed. Because of the remaining inaccuracies, I am requesting a full reinvestigation, and I am also formally requesting the Method of Verification as allowed under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

Below are the issues that were not answered in your previous response : 1. Conflicting Account Status Reporting My credit file shows the account listed as both a repossession and as an active account with an outstanding balance. These two statuses contradict each other. No explanation or documentation was provided showing how this information was verified or how both statuses can be reported at the same time.

2. Unexplained Balance Calculations The balance reported ( approximately {$11000.00} ) does not match the original loan amount ( {$13000.00} ) or the payment history. There was no breakdown provided for how payments were applied or how the current balance was calculated. This was not addressed in the verified response. 

XXXX. Missing Documentation of the {$2900.00} Payment ( XX/XX/XXXX ) A payment of {$2900.00} was reported in XX/XX/XXXX. This should have had a significant impact on both the account status and the balance. Your investigation results did not show whether the creditor verified this payment, how it was applied, or whether it affects the repossession status. 

Since Equifax states that the furnisher verified the information, I am requesting the following : 1. The name, direct contact information, and department of the person at XXXX XXXX XXXX who verified the account. 
2. A detailed explanation of the steps Equifax took to verify the information, including how the furnisher was contacted. 
3. Copies of any documents, payment histories, repossession records, or balance calculations that were used to verify the accuracy of the account. 

A generic statement that the creditor verified the account does not satisfy the FCRA. I am asking for actual verification, not a form-letter response. 

Please conduct a complete reinvestigation and provide the documentation and method of verification requested above. If XXXX XXXX XXXX can not properly verify each disputed item with supporting records, then the account must be corrected or deleted as required by law. 

Thank you, and I look forward to receiving the full results of your reinvestigation within the required timeframe. 


p.s. 
As this is a follow up on a previously addressed dispute, I have submitted supporting documentation for identity verification multiple times and can be pulled up in reference. 

Sincerely, XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX

Company response to consumer: Closed with explanation