Consumer complaint received 2025-07-13 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: GA

Complaint narrative:
Subject : Demand for Detailed Investigation and Verification Regarding Inaccurate and Unverifiable Information on Consumer Credit Report Account References # XXXX and # XXXX Dear Experian and Equifax, This letter constitutes a formal demand for a comprehensive and detailed investigation into inaccurate and unverifiable information presently appearing on my consumer credit report. Specifically, I refer to XXXX negative reports concerning bankruptcy, designated by your internal reference numbers # XXXX and # XXXX, which were reported as accurate and remain on my credit report as of XX/XX/year>. 
My prior attempt to dispute these entries did not result in a mailed report detailing the reinvestigation, but rather an online notification. Pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I hereby demand that you provide, within fifteen ( 15 ) days of your receipt of this letter : 1. A detailed method of verification utilized in your reinvestigation.

2. A comprehensive report outlining how the reinvestigation was carried out.

3. All documentation you received and relied upon during the course of said reinvestigation.

The Fair Credit Reporting Act ( FCRA ) mandates that Consumer Reporting Agencies ( CRAs ) maintain maximum possible accuracy in consumer reports and provide consumers with a robust mechanism to dispute any inaccurate, incomplete, or unverifiable information. The reliance on Automated Credit Dispute Verification ( ACDV ) systems, such as e-OSCAR, without conducting a reasonable reinvestigation, may constitute a violation of 15 U.S.C. 1681i ( a ). This provision requires CRAs to conduct a reasonable reinvestigation of disputed information within 30 days, rather than solely relying on automated verification methods. 
Furthermore, please be advised that XXXX has confirmed the location and subsequent removal of inaccurate and unverifiable bankruptcy records from my consumer file maintained by them. XXXX explicitly communicated these findings to all reporting agencies, including Experian and Equifax, via a letter dated XX/XX/year>. Despite this direct notification, the aforementioned inaccurate information persists in my credit report. 
Your failure to conduct a proper investigation and promptly correct these verifiable errors will leave me with no alternative but to escalate this matter. I have already lodged formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). Additionally, I unequivocally reserve all rights to pursue legal action under XXXX XXXX. XXXX ( a ) for any violations of my rights under the FCRA. 
To resolve this dispute efficiently and without further litigation, I am formally requesting that this matter be submitted to arbitration, with the ultimate objective of the immediate removal of this misinformation from my consumer credit report.

Company response to consumer: Closed with explanation