Consumer complaint received 2025-05-24 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RESPONSE TO EQUIFAX 'S INADEQUATE " INVESTIGATION 'XXXX XXXX XXXX XXXX XXXX  TO : Equifax Information Services, LLC * * * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : FAILED INVESTIGATION - FCRA VIOLATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX * * Your response demonstrates a * * complete failure to conduct a reasonable investigation * * as required under 15 U.S.C. 1681i ( a ).

* * YOUR " INVESTIGATION '' FAILED TO ADDRESS ANY ACTUAL DISPUTES : * * * * What You Claim : * * - " VERIFIED THAT THIS ITEM BELONGS TO YOU '' - " ACCOUNT HAS been UPDATED '' - Modified " CLOSED DATE, SCHEDULED PAYMENT, ADDITIONAL INFORMATION '' * * What You FAILED to Investigate : * * 1. * * IMPOSSIBLE LAST PAYMENT DATE : * * How can " Date of Last Payment : XX/XX/XXXX '' be accurate when payment history shows payments in XXXX & XX/XX/XXXX? 

XXXX. * * CONTRADICTORY DELINQUENCY DATES : * * How can " Date of First Delinquency : XX/XX/XXXX '' be accurate when payment history shows delinquency beginning XX/XX/XXXX? 

XXXX. * * IMPOSSIBLE REPORTING CLAIM : * * How can " Delinquency First Reported XX/XX/XXXX '' be accurate when delinquencies have been reported for XXXX years? 

XXXX. * * IGNORED {$700.00} SECURITY DEPOSIT : * * Why does payment history show NO reflection of the {$700.00} security deposit applied XX/XX/XXXX? 

XXXX. * * MATHEMATICALLY IMPOSSIBLE SEQUENCE : * * How can payment history jump from " 120 days late '' directly to " Paid on Time '' then back to " 30 days late ''? 

* * YOUR " REASONABLE INVESTIGATION '' REQUIREMENT : * * Under FCRA 1681i ( a ), you must conduct a * * reasonable investigation * *- not just contact the furnisher and accept their word.

* * WHAT A REASONABLE INVESTIGATION REQUIRES : * * - Examine the mathematical impossibilities I documented - Question how payments can occur after " last payment '' date - Investigate the contradictory delinquency dates- Verify why a {$700.00} payment is ignored in payment history - Explain the impossible payment sequences * * WHAT YOU ACTUALLY DID : * * - Rubber-stamped XXXX 's response without investigation - Made cosmetic " updates '' that don't address core impossibilities- Failed to examine any mathematical contradictions * * FCRA VIOLATION - FAILED REASONABLE INVESTIGATION : * * Your response proves you conducted * * NO investigation * * of the specific disputes raised. You simply accepted information you * * know or should know * * contains mathematical impossibilities. 

* * FINAL DEMAND : * * * * Within 10 business days : * * 1. * * CONDUCT AN ACTUAL INVESTIGATION * * of the mathematical impossibilities 2. * * DELETE THIS ACCOUNT * * due to unverifiable contradictory information 3. * * PROVIDE DETAILED EXPLANATION * * of how you " verified '' mathematically impossible information * * NOTICE OF INTENT TO SUE : * * Your failure to conduct a reasonable investigation while claiming to have " verified '' mathematically impossible information constitutes willful FCRA noncompliance under 15 U.S.C. 1681n.

* * The Question You Must Answer : * * * * How did you " verify '' that payments were made in XXXX XXXX when the " last payment '' was XX/XX/XXXX? * * Your silence on this mathematical impossibility proves your " investigation '' was a sham. 

* * Sincerely, * * XXXX XXXX * * Enclosures : * * - Documentation of mathematical impossibilities - Evidence of contradictory dates and information

Company response to consumer: Closed with non-monetary relief