Consumer complaint received 2024-12-09 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:
Dear Equifax Customer Service, I am writing to formally request information regarding the procedures you utilize to verify the accuracy of items listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I believe it is essential for consumers to understand how their information is evaluated and verified. 

It is concerning to think that inaccuracies could exist on my credit report, as these discrepancies can be both frightening and damaging. The impact of incorrect information on a person 's credit report can be devastating, so it is critical to ensure accurate reporting. Therefore, I would like to know the specific steps Equifax takes to ensure that the items reported truly belong to the individual named in the report. 

Additionally, I request that you provide me with the name of the person you communicated with at any companies regarding my credit items, along with the date of that communication. Furthermore, I would appreciate it if you could confirm the address and phone number for the companies in question, as this will help me address any discrepancies directly with them. 

Thank you for your attention to this matter. I look forward to your prompt response outlining your verification procedures and providing the requested contact information. 





I AM RESPONDING BACK TO EQUIFAX XXXX 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. THIS ACCOUNT HAS BEEN UPDATED ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : SCHEDULED PAYMENT, HIGH CREDIT, ADDITIONAL INFORMATION, ACCOUNT HISTORY Trade : XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. THIS ACCOUNT HAS BEEN UPDATED ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : SCHEDULED PAYMENT, ADDITIONAL INFORMATION TrXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. IF YOU HAVE DOCUMENTS THAT RELEASE YOU FROM THIS OBLIGATION, PLEASE FORWARD A COPY TO XXXX. Trade : XXXX XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. IF YOU HAVE DOCUMENTS THAT RELEASE YOU FROM THIS OBLIGATION, PLEASE FORWARD A COPY TO XXXX. Trade : XXXX XXXX XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. IF YOU HAVE DOCUMENTS THAT RELEASE YOU FROM THIS OBLIGATION, PLEASE FORWARD A COPY TO XXXX. NON REPORTING DISPUTES Trade : XXXX XXXX XXXX  THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. Trade XXXX XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you XXXX call XXXX ( XXXX ) or you XXXX visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You XXXX also obtain a free copy of your credit report on annualcreditreport.com.

Company response to consumer: Closed with non-monetary relief