Consumer complaint received 2021-10-09
Company: EQUIFAX, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
I previously have tried to resolve the issue with this company and after 2 rounds of dispute in the last 10 month since XX/XX/2021 where i clearly asked for proof and some documents in order to validate the debt. i have attached those dispute letters to this complaint and you can see what items i asked for and what they sent me and you will find out they clearly failed to send me the requested items. please take sometime to review that and don't let this company close the complaint with a general response to ignore my issue again. i asked for statements, proof of alleged debt the shows my online or in person signature on a contract and few other items where you can clearly see on the attachments to this email and the credit bureau has failed to send me any of the requested items and the only thing they sent was a statement and a letter saying its verified. i clearly asked for proof and they failed to send it after months. therefore i made a complaint to CFPB and the credit bureau is using their stall tactics to ignore my requests. i came to CFPB to get justice about something that is on my report that the credit bureau has failed to validate after asking for the validation and the proof many times they just go around the request and ignore it or they send me a piece of paper or statement that is not what i asked for at all and has nothing to do with my requests for validation. i have attached to this email the dispute letter i sent them and you will clearly see what i sent them and its for CFPB review. i clearly asked for validation, the method of validation, your licenses, a copy of the contract the shows my signature in paper or online record. and you failed to send any of that after I asked you 2 times. i clearly asked in my dispute letter that I need your company to send me all the documents and they failed, I gave you 30 days which you failed to respond with the right information and then I wrote to you again giving you another chance to send me proof or remove and you still failed to remove and the only thing you sent me was a letter saying " the accounts are verified " where is the contract? where is the response to my validation request? why did you fail to respond to it in a timely manner? why wasn't the items removed after you failure to respond to my request? i have sent you my id and all my identifying information everytime so you can identify me easily. 
the credit bureau has failed to send me proof or show method of verification nor any of the other requested information or documents. therefore the items must be removed from my report. I will 100 % file a lawsuit against your company for damages and I have the paperwork that shows you failed to respond to my request and that you have clearly failed to send me the validation documents i requested the credit bureau must remove the items asap. you can find the dispute letter i sent them attached to this complaint. 

read the dispute letters attached to this complaint and you will see they failed to send me the requested validation documents which they are suppose to send if requested. instead they just sent something saying its verified. i asked for proof and it was not sent.

Company response to consumer: Closed with explanation