Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Re : **Dispute of Inaccurate and Incomplete Information** To Whom It May Concern : I am writing in response to your request for additional information regarding my dispute. I find this request contradictory and concerning, given that Equifax allegedly maintains a credit report on me yet claims it needs more information to conduct a reinvestigation. This behavior appears to be a stall tactic to prolong the dispute process and prevent me from moving forward with my life. 

XXXX. Incomplete and Inaccurate Reporting Under the **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681iXXXX, Equifax is required to ensure that the information in my credit file is both **complete** and **accurate**. My initial dispute outlined specific inaccuracies and/or incomplete data, which remain unresolved. Because Equifax holds a credit file on me, you already possess the identifying information necessary to conduct a thorough reinvestigation. 

XXXX. Potential Violation of Consumer Rights The FCRA mandates that a credit reporting agency must : - Conduct a **reasonable reinvestigation** of the disputed information. 
- **Delete or correct** any information that can not be verified or is deemed inaccurate or incomplete. 
- Provide the **results of the reinvestigation** and a copy of the **updated report** if changes are made. 

Failing to address my dispute adequately or using unnecessary requests for more information to delay the process could be seen as a violation of my rights under **15 U.S.C. 1681i**. 

XXXX. Request for Method of Verification Furthermore, I am formally requesting a detailed **method of verification**, in accordance with **FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) **. Specifically, I demand : 1. **The name, title, and direct contact information** ( address, phone number, email ) of any individual ( s ) at the furnisher or within Equifax who verified the accuracy of the disputed information. 
XXXX. **All documentation** Equifax or the furnisher provided or relied upon to determine that the information in question is accurate and complete. 
XXXX. XXXX*A written explanation** of the specific steps taken by Equifax in your reinvestigation, including whether or not any human review was conducted outside of automated processes. 

XXXX. My Privacy and Consumer Protection I must emphasize that **my personal data and credit information are private**, and Equifax should not request more information from me simply to stall or circumvent compliance with the law. If Equifax has my personal file on record, you already have sufficient details to resolve this matter. If you can not verify the accuracy and completeness of the disputed information using the data at your disposal, then **you are legally required** to delete it immediately from my credit file. 

XXXX. Fair Resolution A fair resolutionand one consistent with the FCRAwould be : - **Immediate deletion** of any unverifiable or inaccurate data from my credit report. 
- **Confirmation in writing** once the removal has taken place. 
- An **updated copy** of my credit report reflecting the corrected or removed information. 

XXXX. Ruining My Life Your failure to correct or remove this inaccurate and incomplete information, as required by law, is having a profound impact on my lifeharming my ability to obtain credit, secure housing, and move forward personally and professionally. I ask that you take this matter seriously and resolve it without further delay. 

-- - I appreciate your prompt attention to this dispute. Please respond with the detailed method of verification, any relevant documentation, and an updated credit report upon conclusion of your reinvestigation within the legally mandated timeframe. 

**Sincerely, ** XXXX XXXX

Company response to consumer: Closed with explanation