Equifax says your dispute is “verified” — and the error is still there

This notice

Your result says, “We have verified that this item belongs to you.” That means the source confirmed information during the investigation, not that every detail must be correct.

Urgent?

There is no new 30-day federal dispute clock created by this result. Keep the result and act promptly because other deadlines may apply to a lawsuit or a pending credit decision.

First move

Compare the result with your original dispute and mark one fact that remains wrong.

Official path

1. Download the current report and save the result, confirmation number, and every document you already sent.
2. Identify the exact wrong field, such as the balance, payment status, ownership, or date.
3. Submit a focused follow-up through the Equifax credit report dispute center with copies of records that address that field.
4. Send a direct written dispute to the furnisher (the company that reported the account) at the dispute address on your report or the address it provides.
5. Review the CFPB credit and consumer reporting complaint notice after Equifax finishes and the error remains.

What people reported

Often helps

• People reported better responses when they circled one wrong field and matched each attachment to that field.
• People reported that a timeline with statement dates, payment dates, and prior confirmation numbers made the issue easier to follow.

Often fails

• People reported that repeating a broad “not mine” dispute without new detail often returned the same verified result.

Template

[YOUR FULL NAME]
[YOUR ADDRESS]
[CITY, STATE ZIP]
[DATE]

Equifax Information Services LLC
[DISPUTE ADDRESS SHOWN ON YOUR REPORT]

Re: Report confirmation [CONFIRMATION NUMBER], account ending [ACCOUNT ENDING]

To Equifax:

I am writing because the result of my dispute still reports inaccurate information. Your result dated [RESULT DATE] says the item was verified. The specific fact that remains wrong is [DESCRIBE ONE FIELD, SUCH AS BALANCE OR PAYMENT STATUS]. The report currently shows [WHAT THE REPORT SAYS]. My records show [WHAT IS CORRECT].

Please conduct a reasonable reinvestigation of this specific information and correct or delete information that is inaccurate or cannot be verified. I enclosed copies of [LIST SUPPORTING RECORDS]. I also enclosed the relevant report page with the item marked and a copy of the prior result.

Please send me the written results and an updated copy of my report. My identifying information is included only so you can locate my file.

Sincerely,
[YOUR FULL NAME]

Enclosures: [LIST ENCLOSURES]

Stop here if…

• A lender is about to close and the error affects that transaction; ask a consumer lawyer about time-sensitive options.
• The result involves identity theft and new accounts are still appearing; use IdentityTheft.gov and consider a credit freeze.
• You received court papers connected to the account; follow the court deadline and speak with a lawyer.

FAQ

Does “verified” prove the account is correct?

No. It means Equifax completed its process and the source confirmed the information it reviewed. The result can still be wrong, but your next dispute should identify the exact fact and include useful proof.

Should I send the same dispute again?

A repeat with no new detail may be treated as frivolous or irrelevant. Explain what the result missed and attach records that address that point.

Can I add a statement to my file?

For an unresolved dispute submitted to a credit reporting company, federal law generally lets you request a brief statement in your file. The statement does not correct the item or remove it from scoring.

When should I file a CFPB complaint?

The CFPB complaint portal says to dispute with the credit reporting company first. Follow the portal's current timing screen and attach the dispute, result, report page, and supporting records.