Consumer complaint received 2022-03-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hi, I recently wrote you and this bureau of inaccurate/incorrect information on my report no changes have made thus far. On XX/XX/2022, I wrote Equifax asking for them to do the following : On XX/XX/2022 I sent the following dispute letter : To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. We recently wrote to you about this on XX/XX/2022, but it appears it was completely overlooked or ignored. We asked that you correct the information on the report, but it seems that you didnt do that and indicated in your response to our dispute that my current legal name, XXXX XXXX XXXX XXXX has been deleted from your file ( which was never a part of my credit report from the copies that youve sent me ) and that you have continued to keep my old name, XXXX XXXX XXXX on file, which is what youve had this entire time that Ive been asking you to update my name. I have requested that you update this information multiple times, but it seems you dont wish to follow the FCRAs laws about when someone dispute information on their credit report. This is the 3 or more times that we have requested that you update my legal name on my credit file. But instead, you did the opposite of what I asked you to do based upon your response from credit report dated XX/XX/2022, confirmation # XXXX. At this point this feels and seems very intentional. I dont know how someone can get something like that mixed up and do the opposite of what was asked of them to do. I see that you granted the other request without any incident, the removal of an old and outdated address however you did not correct my name as have been requested of you multiples times. That alone makes it appear that youre intentionally trying to sabotage my report and not follow the laws of FCRA. I will ask once more that you kindly update my name as requested the last few times. It should be updated as follows : 1. Old Name is listed currently on my credit file as : XXXX XXXX XXXX BUT my current legal name should be listed as XXXX XXXX XXXX and no other name as current should be on this report pls. 
================================================================= There have been multiple request sent asking them to fix this issue. Obviously they are using a computer bot to read these letters and not a real person and/or a real person is intentionally ignoring my request to follow the FCRA 's law/rules/regulations/guidelines. 
Either way this appears to be done as a stall tactic. They are now asking that I send them identification, that I've already sent to them each and every time I send a dispute letter, a real person can see that information, if they didn't trash it or if they weren't using a computer bot to do their work for them. This is causing injury to me and I need this fixed right away. How do you confuse one request for another. It was like this was done on purpose. I asked them to update my file to my current legal name but they deleted something that wasn't even there in the first place and then asked me to send in information/identification for the my old name. How odd and irresponsible is that. Wow... .It amazes me the things these bureaus have been allowed to do and with no dire consequences. But yet you will go after other entities that at the hint of breaking the law and shut them down. I petition you to do the same here. To delete my legal name in the request for update to my information is deemed as fraudulent behavior and can be reported to the FTC for that reason alone. This is not catch me if you can type of thing. More so it seems like Make me if you can. But the laws are not being followed nor observed here. Any little small thing they can do to keep from abiding by the FCRA 's laws is what they are appear to be doing. There were two disputes on the dispute letter sent on XX/XX/2022 they honored one but decided they wanted to do the opposite of what I asked on the name update. I'm beyond floored at what you have allowed them to continue to get away with. 

I've asked them to do the following : Please update my name to reflect my current legal name as soon as possible to reflect XXXX XXXX XXXX. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I have also attached the most recent request asking for my information to updated accurately, correct, efficiently and with the upmost excellence, providing proof of the updated information. 
================================================================ I must say that I am in awe that it appears the when complaints are filed against these CRA 's that they seem to think they can just give some quick response that they will respond directly to the individual filing complaint so they can close the case. Without any consequences or follow-up from the CFPB. It's stated that part of the CFPB 's consumer responsibility is : We aim to make consumer financial markets work for consumers, responsible providers, and the economy as a whole. We protect consumers from unfair, deceptive, or abusive practices and take action against companies that break the law. -- -with that in mind these bureaus should be under more scrutiny than what have been. I've been hearing about how the CFPB will shut-down, file lawsuits, etc, against Credit Repair agencies XXXX credit monitoring agencies, but somehow it seems to fail us when it comes to the CRA 's XXXX I'm baffled at that this behavior is allowed to continue when you're supposed to be in the business of protecting your consumers. 
In filing a complaint with the CFPB, multiple times, you know that you can just respond and have case closed and so far, CFPB has done nothing to make you obey the laws, so you continue with these stall tactics. CFPB is there to ensure all consumers are being treated fairly and not allow such behavior to continue. You guys will attempt to sue, go after, and put down legal organizations trying to help people make a better life for themselves. Yet you continue to put disparaging information in your reply about credit repair companies because if you can keep inaccurate information on someones file the better for your organization. If youre going to disparage an organization, ensure that its illegal for them to be operating such a business please. 
In closing, I ask that you, CFPB, make these CRA 's to obey the FCRA 's laws and not just allow them to acknowledge the complaint and then say they'll be in touch with us and close the case only to come back with stall tactics with some bogus explanation about using some credit report agency, which isn't illegal, albeit, I'm doing this myself as you can see I'm very through and long winded here. This make no sense that I have to continue to file complaints when they can just obey the FCRA 's guidelines. It's a well known fact that is easily XXXX, that the CRA 's use these stall tactics which means they are in no way for helping the people at all. I can only pray that you won't be a participant in their process by not continuing to allow them to get away with these actions. The law is the law and they too need to be made to keep it and not disobey/break/ignore it, causing hardship to the consumer. This is unfair and unjust behavior. Please go after them they way you have been going after these credit repair agencies. It's only fair, right??? Treat them all the same, to make them obey the LAWS of FCRA. And clearly they are stalling now that I've asked for them to update my credit report to my current legal name and have provide identification multiple times from the multiple requests I've submitted. 
But from my research this doesn't appear to be anything new to the industry. The public has been aware of such stall tactics for many years now and now it's still continuing. It's like the laws are there but then when you ask for the laws to be following immediately they work hard to do everything in their power to continue to break the law ... ..I petition you to not allow this behavior to continue. I have sent multiple dispute letters to the CRA and also to CFPB. They apparently don't care if you report them because it seems they think there will be no consequences. It looks really bad to have a reputation to not follow the laws of the FCRA that were put there to supposedly protect the consumers of USA. Please make them update my credit report accurate/efficiently and with excellence, to my current legal name that I've asked them to do multiple times and have submitted the correct supporting documentation for this request. How do you correct one dispute request but then intentionally do the opposite of what was asked of you for the other dispute regarding updating my name? This is not good practice at all in keeping in line with the FCRA 's law/rules/regulations/guidelines. You will see the attachments here showing the most recent dispute letters asking for this to be fixed. They can't lie and say they didn't understand when the dispute letter was/is very clear and to the point and easy to understand and should have been a simple data entry task. But instead they have decided they want to play games and act in an unjust/unfair manner.

Company response to consumer: Closed with explanation