Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #15130799
Complaint Overview
Complaint ID: 15130799
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Ohio
ZIP Code: 45238
Date Received: 2025-08-06T12:00:00-05:00
Date Sent to Company: 2025-08-06T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX Date : XX/XX/year> Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Re : Method of Verification Request Portfolio Recovery Associates Account Number : * * * * XXXX To Whom It May Concern, I recently disputed the above-referenced account with Equifax. Your investigation results stated that the account was verified as accurate. Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ( 6 ) & ( 7 ) ), I am formally requesting the Method of Verification you used to confirm this information. Specifically, please provide : 1. A copy of the complete and unaltered Automated Consumer Dispute Verification ( ACDV ) form or any other documents you relied on during your investigation. 2. A detailed description of the procedures you used to verify the accuracy and completeness of the information reported by XXXX XXXX XXXX, including the name, address, and telephone number of the person ( XXXX ) or entity you contacted. Since you have already claimed to verify this account, it is my right under the FCRA to know exactly how that verification was completed. Please provide the requested documentation within fifteen ( 15 ) days of receipt of this letter. If you fail to provide the requested documentation within the specified time, I will consider this account unverifiable and will expect its immediate deletion from my credit file. I will also consider further action to protect my rights under the FCRA. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #15130799 about?
Complaint #15130799 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-08-06T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Equifax, INC.?
Yes, visit the Equifax, INC. company profile at readthecomplaint.com/company/equifax-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.