Consumer complaint received 2023-07-26
Company: EQUIFAX, INC.
State: TX
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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation! I questioned the accuracy of a few items on my credit reports, this was send by certified mail # XXXX XXXX XXXX XXXX XXXX. It appears obvious to me that Equifax is abusing their power under the FCRA to escape a complete investigation. 
Here again is the inaccurate information being reported : XXXX. XXXX Account Number : XXXX - 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I AM PLACING YOU ON NOTICE THAT THIS ACCOUNT ISINACCURATE. 

XXXX. XXXX XXXX Account Number : XXXX - 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I AM PLACING YOU ON NOTICE THAT THIS ACCOUNT IS INACCURATE. 

XXXX. XXXX XXXX Account Number : XXXX - METHOD OF VALIDATION. How are validation this account as accurate when it is reporting a balance and 120 days late on a charge off. Delete this Account. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. Please provide Method of Validation on all abov
e accounts.

1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 2. The date you contacted the individual funishers
of information.

3. The method of communication you used to verify the information, I would also like to know if the furnisher provided you with my SSN, address or DOB.

4. Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?

5.What certified documents were reviewed to conclude your investigation?

6.Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

7.What did it cost your company to obtain the documents needed to complete your investigation?

8.Please provide proof of your timely procurement of certified documents.

9.Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

10.If yes to above : a.Who did you speak to?

b.On what date?

c.How long was the conversation?

d.What was their position?

e.What telephone number did you call?

f. What is the name of the employee of your company that spoke directly to the above party?

g.What is the position of the employee of your company that spoke directly to the above party?

h.How long has that employee been employed by your company? 
i.What formal training was provided to this employee to investigate items of this kind? 
j.Was there any e-mail or written communication between members of your company and the above party?

11.If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question.

12.Provide the date of the commencement of delinquency 13.Provide the SPECIFIC date reporting that these items will cease Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response. 

My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of these items from my credit report. 

This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above requested deletion or requested/required documentation of your investigation, I will pursue the enforcement of my constitutional rights via federal court proceedings. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further.

Company response to consumer: Closed with non-monetary relief