Consumer complaint received 2025-08-13 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Email : XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX Digits ) : XXXX Date : XX/XX/XXXX To : Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Request for Full Method of Verification ( MOV ) Municipal Credit Union Account ( Last XXXX Digits : XXXX ) Dear Equifax XXXX Department, I acknowledge receipt of your investigation results dated XX/XX/XXXX, regarding my dispute filed via CFPB.gov on XX/XX/XXXX, concerning the XXXX XXXX XXXX account ending in XXXX. 

Legally, disputes and follow-ups submitted through CFPB.gov have the same force and are governed by the same FCRA requirements as disputes sent directly to credit bureaus via mail or other means. The credit bureaus are required to respond within the mandated time frames regardless of how the dispute was submitted.

Pursuant to the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I hereby formally demand a complete and detailed Method of Verification ( MOV ) regarding this account, as it was not provided in your prior response. 

The MOV must include, at a minimum, the following : The name, address, and telephone number of the furnisher ( s ) who verified the disputed information.

A detailed description of the procedures and documentation used to verify the accuracy and completeness of the reported information.

Copies of any documents, records, or communications from the furnisher ( s ) used to confirm this account 's status, payment history, and other material details.

These elements are mandatory under FCRA law to satisfy your legal obligation to provide the consumer with transparency and to substantiate the accuracy of information reported.

Timeliness Requirement : Please be advised that under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), the MOV must be provided to me within XXXX calendar days of this request. Failure to do so will constitute a violation of the FCRA and will compel me to demand the immediate deletion of the XXXX XXXX XXXX account from my Equifax credit report pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), which requires deletion if the information can not be verified.

Additional Legal Basis : Under 15 U.S.C. 1681e ( b ), Equifax is required to report only information that is accurate and complete, which includes providing a substantiated MOV upon consumer request. 

In XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, courts have held that CRAs must conduct meaningful investigations and provide evidence of verification, not merely rely on furnisher assertions. 

The failure to provide a full MOV impairs my rights under the FCRA and leaves the disputed information unverifiable and therefore invalid. 

I urge Equifax to comply fully and promptly with this MOV request to avoid further dispute escalation. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation