Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
Previous from creditor 's response : XXXX XXXX XXXX XXXX XXXX ( states they're no longer creditor ) and asked me to contact another creditor? so why would I do that since new creditor is XXXX right? it is not on credit report which saying " XXXX XXXX XXXX  '' so basically they have violated my rights big time I will have to sue them for falsifying reporting my credit report because first they do not have my written permission and secondly I no longer liable for this debt this been re-aged, been modified, etc I have attached screenshot what I seen. I also attached FTC report too because it is unauthorized furnished on my credit report. 

In accordance with the Fair Credit Reporting Act. Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active us inaccurate, and date last reported is not accurate.

This ground for removal they also violated my rights under 15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions or consent.

15 U.S.C. 1692c states Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Bureau keep saying they verified the account because they went with creditor so how they verified the account with creditor that doesn't have my written permission to furnished the account? that's HEARSAY. All I am see is accurate as verified so I am requesting for full method of verification. 

I am concerned about the validity and accuracy of your recent investigation and reinvestigation of disputed account ( s ) and inquiries. Thus, please explain to me how you conducted your investigation/reinvestigation for each derogatory account/item?

1. Please explain to me what your representatives uncovered to lead them to believe that you are reporting these items as it legally should be reported ; 2. What certified documents were reviewed to conclude your investigation and reinvestigation? 
3. Please provide me a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation and reinvestigation ; 4. What did it cost your company to obtain the documents needed to complete your investigation and reinvestigation?

5. Please provide proof of your timely procurement of certified documents ; 6. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

7. If you reply YES to the above ( 6 ), then : a. Who did you speak with?

b. What was the date?

c. How long was the conversation? 
d. What was their position? 
e. What number did you call? 
f. What is the name of your employee that spoke directly to the above party? 
g. What is the position of your employee that spoke to the above party?

h. How long has that individual been employed by your company?

i. What type of training was provided to this emplyee in order to investigate items of this kind?

j. Were there any emails or written communications between employees of your company and the above party?

8. If so, please provide copies of all correspondence and copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation and reinvestigation of the account ( s ) in question ; 9. Please provide the date of the commencement of delinquency ; 10. Please provide the specific date reporting of this item will cease. 

The Federal case law states the following : " Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. '' That means that your company can not just verify my account by telling me it is verified. See. FCRA 15 U.S.C. 1681 ( a ) ( 4 ).

My initial dispute was detailed and directly related to the account ( s ) in question. See. Exhibit C. 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 each disputed item from my credit report. 

I did sent method of verification many months ago no response so now I am requesting method of verification!! since I am not buying " verified ''

Company response to consumer: Closed with non-monetary relief