Consumer complaint received 2023-02-24
Company: EQUIFAX, INC.
State: VA
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:
On XX/XX/XXXX I sent an investigation letter, certified, to all 3 credit bureaus. XXXX, XXXX and Equifax due to a multitude of inaccuracies I found on my credit report/consumer report. ( the certified mail reciepts will be attached as evidence ) I highlighted boldly for the to INVESTIGATE CONSUMER REPORT Ther response was the information was accurate, they did not inform me of the methods used to verify these accounts and clearly they did not abide by the guidelines set for by 15 U.S.C 1681 because The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

Hence, XX/XX/XXXX i sent three more certified letters, stating I have previously requested that you investigate, and you have failed to inform me of the methods utilized to verify and validate these reporting, correct the errors, but you are still reporting on my credit report. Now is not the time to update, I demand that you immediately delete this inaccurate & incomplete information from consumer report as prompted by 611-15 U.S.C 1681 ( i ) ( 5 ) ( A ) ( i ). 

I also filed this complaint with you, the CFPB, the supporting complaint ID 's are as follow : 1. XXXX 2. XXXX 3. XXXX As a result, between XX/XX/XXXX and XXXX XXXX all the accounts have now been updated but still not removed as prompted and i clearly stated Now is not the time to update, I demand that you immediately delete this inaccurate & incomplete information from consumer report as prompted by 611-15 U.S.C 1681 ( i ) ( 5 ) ( A ) ( i ). 

My rights to investigation has been disregarded and violated, my 30 response was violated, everything about this is unfair, this clearly is a indication that the 3 Bureaus believe they are above the law. It is unethical and unfair for them to feel that can do a reinvestigation 3 months later! 

These are the inaccurate accounts : 1. XXXX XXXX, XXXX 2. XXXX XXXX, XXXX 3. XXXX, XXXX 4. XXXX XXXX, XXXX 5. XXXX, XXXX 6. XXXX, XXXX 7. XXXX XXXX, XXXX 8. XXXX XXXX, XXXX, XXXX 9. XXXX XXXX, XXXX, XXXX 10. XXXX XXXX, XXXX 11. XXXX, XXXX 12. XXXX XXXX, XXXX 13. DPT EDXXXX, XXXX 14. DPT EDXXXX, XXXX 15. XXXX XXXX, XXXX 16. XXXX XXXX, XXXX, XXXX 17. XXXX XXXX, XXXX 18. XXXXXXXX XXXX XXXX XXXX XXXX, XXXX 19. XXXX, XXXX, XXXX 20. XXXX, XXXX 21. XXXX, XXXX XXXX. XXXX XXXX, XXXX, XXXX 23. XXXX XXXX, no account info available ( reporting from EQUIFAX ) 24. XXXX XXXX XXXX XXXX, XXXX Im attaching the inital investigation letter, the certified mail reciepts, and the current responses on my credit

Company response to consumer: Closed with explanation