Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: SC
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:
I requested an investigation from Equifax on XXXX XXXX XXXX XXXX, and XXXX. I this investigation I requested the validation of the following accounts. 
1. Please explain your method of validation for these late payments and because I do not remember ever being late on this account. 
XXXX XXXX Account Number : XXXX If you are unable to prove these payments were late, I request these late payment be removed and the account be updated to current and paid on time. 
2. Please explain your method of validation for these late payments and because I do not remember ever being late on this account. 
XXXX Account Number : XXXX If you are unable to prove these payments were late, I request these late payment be removed and the account be updated to current and paid on time. 
3. I requested what steps have been taken to report this account now that is has been transferred and no information was provided. 
DPT EDXXXX Account Number : XXXX Since you have failed to do your due diligence and ignored my request, I am now requesting this account be deleted immediately. 
4. I requested what steps have been taken to report this account now that is has been transferred and no information was provided. 
DPT EDXXXX Account Number : XXXX Since you have failed to do your due diligence and ignored my request, I am now requesting this account be deleted immediately. 
5. I requested what steps have been taken to report this account now that is has been transferred and no information was provided. 
DPT EDXXXX Account Number : XXXX Since you have failed to do your due diligence and ignored my request, I am now requesting this account be deleted immediately. 
6. I requested what steps have been taken to report this account now that is has been transferred and no information was provided. 
DPT EDXXXX Account Number : XXXX Since you have failed to do your due diligence and ignored my request, I am now requesting this account be deleted immediately. 
7. I previous asked you to provide proof these payment were late and you have ignored my requests to investigate but the late payments still remain. 
XXXX Account Number : XXXX Since you have failed to do your due diligence and ignored my request, I am now requesting this account be deleted immediately. 
8. Please explain your method of validation for these late payments and because I do not remember ever being late on this account. 
XXXXXXXX XXXX Account Number : XXXX If you are unable to prove these payments were late, I request these late payment be removed and the account be updated to current and paid on time. 
9. I requested what steps have been taken to report this account now that is has been transferred and no information was provided. 
DPT EDXXXX Account Number : XXXX Since you have stated this account has been purchased to another lender, please delete this account immediately. 
10. I requested what steps have been taken to report this account now that is has been transferred and no information was provided. 
DPT EDXXXX Account Number : XXXX Since you have stated this account has been purchased to another lender, please delete this account immediately. 
11. In the previous letter I requested your method of validation. You have failed to provide your validation which tells you did not complete a re-investigation. 
XXXX XXXX XXXX Account Number : XXXX Since you have failed to do your due diligence and ignored my request, I am now requesting this account be deleted immediately. 
12. Please explain your method of validation for these late payments and because I do not remember ever being late on this account. 
XXXX Account Number : XXXX If you are unable to prove these payments were late, I request these late payment be removed and the account be updated to current and paid on time. 
To this day, XXXX has not provided any validating documents and the accounts are still reporting as they originally were. This is a violation of the FCRA.

Company response to consumer: Closed with non-monetary relief