Consumer complaint received 2025-01-20 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:
XX/XX/XXXX XXXX XXXX Re : Formal Dispute and Method of Verification Demand Under FCRA 611 ( 15 U.S.C. 1681i ) To Whom It May Concern, This letter serves as a formal dispute under FCRA 611 ( 15 U.S.C. 1681i ) and is being filed through the Consumer Financial Protection Bureau ( CFPB ) to demand reinvestigation and proper verification of disputed accounts referenced in my initial CFPB complaint. These two accounts remain unresolved. As a consumer, I am exercising my rights to ensure that the credit reporting agencies comply fully with the Fair Credit Reporting Act ( FCRA ) and conduct a reasonable, thorough, and legally compliant investigation of the contested accounts. 
Accounts for Reinvestigation and Verification The four unresolved accounts are : XXXX XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX, Account # XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX Legal Obligations Under the FCRA Under the FCRA, you are obligated to take the following steps when conducting a reinvestigation : 1. Verify Information Accuracy : Credit bureaus must verify the accuracy of any information reported. Reliance on generic responses or automated systems from data furnishers does not satisfy the standard of a reasonable investigation required under federal law. The burden of proof is on you to ensure all reported information is verified and accurate.

2. Documented Proof : I demand the original signed wet-ink agreement between myself and the original creditor as proof of my consent to the disputed accounts. Copies, electronic signatures, or boilerplate statements are insufficient to verify these accounts under FCRA 611. If this agreement does not exist or can not be provided, the accounts must be deleted immediately.

3. Source and Method of Verification : Provide the exact source ( s ) of the information used to verify the accuracy of the contested accounts, including the name, contact information, and role of the data furnisher or other verifying party. Additionally, provide a detailed method of verification per FCRA 611 ( a ) ( 7 ), outlining the specific steps taken and the documentation reviewed to verify the accuracy of these two accounts.

4. Identity Theft Affidavit Review : I have already submitted an identity theft affidavit regarding these accounts. Why did you fail to contact the Federal Trade Commission ( FTC ) or law enforcement to verify the facts of my affidavit? Failure to conduct this critical step demonstrates negligence and willful noncompliance.

Notice of Noncompliance If you fail to comply with my demands, your agency will be in violation of the following FCRA provisions : 15 U.S.C. 1681o - Civil liability for negligent noncompliance 15 U.S.C. 1681n ( b ) - Civil liability for willful noncompliance 15 U.S.C. 1681b - Permissible purposes of consumer reports 15 U.S.C. 1681i ( 7 ) - Failure to provide method of verification 15 U.S.C. 1681a ( 4 ) - Right to privacy 15 U.S.C. 1681c - Requirements for consumer report information In addition, I will pursue claims for : Defamation of Character Negligent Enhancement of Identity Fraud Demands and Final Notice You must take the following actions within 30 days of receipt of this letter as required by law : 1.Provide Documentation and Details : Produce the original signed wet ink agreement for each of the two disputed accounts. Copies, electronic signatures, or generic statements are unacceptable and insufficient under federal law.

Disclose the source ( s ) and provide a method of verification for each disputed item.

2. Delete the Contested Items : If the above documentation can not be provided, these two contested items must be permanently removed from the credit file you maintain.

3. Provide Written Confirmation : Confirm all actions taken ( deletions or verifications ) in writing. I also request that all correspondence be sent to me via email for record-keeping and expediency.

Consequences of Noncompliance Failure to respond satisfactorily will result in legal action. I will seek damages for each violation of the FCRA, with statutory costs of {$1000.00} per infraction under 15 U.S.C. 1692k, in addition to compensation for all credit denials and harm caused by your negligence.

This letter serves as your final notice. I expect these fraudulent accounts to be removed promptly from my credit file, as I have provided sufficient documentation to prove their inaccuracies. I will escalate this matter further through federal authorities, including the CFPB and FTC, if my rights as a consumer continue to be violated. 
Considering the CFPB lawsuit filed against XXXX on XX/XX/XXXX XXXX XXXX and Equifax on XX/XX/ XXXX I insist you investigate as required by FCRA law. Do not accept the findings of furnishers who do not provide thorough results of their investigation which I will ask you to provide to me via my email, and mail. Delete or correct the disputed information within the timeline provided by federal law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief