Consumer complaint received 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I received your response with your dispute results and I need to know WHY these accounts are still remaining and you are claiming it has been verified. Thats impossible because these both accounts are duplicate accounts that are reporting the same account number but different balances! So it is impossible they verified it with you. You are still reporting errors : METHOD OF VERIFICATION REASON : This account is continuing to report errors after you claimed to have verified it. I have reason to believe that you failed to conduct a re-investigation of my disputes. Therefore this account could not have been verified. 
METHOD OF VERIFICATION REASON : Provide proof of any/all evidence that you actually conducted a reasonable investigation to ensure maximum accuracy of your reporting on my credit report or IMMEDIATELY DELETE THIS INFORMATION FROM MY CREDIT REPORT because this information is UNVERIFIABLE. 
Account Name XXXX XXXX XXXX XXXX Account Number : XXXX How can this be?! Please explain to me how your agency has XXXX XXXX XXXX verified these accounts? Im allowed to ask and youre REQUIRED to answer. So how did you do it?! Who did you talk to in the creditors office? Did you send them the information about the account that I sent in? How did you send it to them? Did you fax it, did you mail it, did you use the same mailing address and/or telephone number listed on the credit report that I have what did you do? And furthermore, what steps did this agency take to ensure that the creditor actually investigated my dispute rather than just fraudulently telling you that its been verified? The FCRA says that you have to tell me this within 15 days if I ask pursuant to 15 USC 1681i ( 6 ) ( B ) ( 7 ) Description of procedure. And please do not send me any more of your generic response letters of how you use various methods. Im asking for SPECIFICS on exactly how your agency actually verified these accounts that you are erroneously reporting about me and I need the full name of the person you spoke with or who told you electronically that it was verified. If you do not know then you need to find out and shame on you if you do not know because that would NOT be a proper investigation on your part as you are required to conduct. 
Any automated response verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the AtXXXX XXXXXXXX office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX XXXX  ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Company response to consumer: Closed with explanation