Consumer complaint received 2021-06-28
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:
I have an account in both my Equifax credit file and on my credit report from XXXX XXXX University, which is listed as the creditor. I contacted Equifax to let them know the information that was being reported was not accurate. I sent Equifax a dispute letter dated XX/XX/2021. I told them there was an incomplete and inaccurate account number, missing date of last payment field, missing date of first delinquency, and the payment history was inaccurate. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a FINAL goodwill attempt to have you clear up this matter. 

Equifax has even gone as far as constantly updating my information in my credit file and on my credit report as they see fit, whenever they want, and updating whatever fields they please. This is getting ridiculous and I am requesting that this account be deleted immediately or I will sue Equifax for violations of the Fair Credit Reporting act and other state and federal laws. 

It amazes me that Equifax chooses to keep brushing past federal and state laws in hopes that people like me are not smart enough to check our credit reports. I check my credit report every week now, and it seems like every other week Equifax negligently and willfully disobeys these state and federal laws because they feel as if the Fair Credit Reporting Act and other laws do not apply to them. They also remove information and put information back on without mentioning anything about it, which is also a violation and against federal and state laws. The Credit Reporting Agency, or Equifax, continues to violate my rights according to 15 USC 1681.

If this account is not removed my Equifax credit file and credit report, I will take Equifax to federal court over these continuous violations and your total disregard to follow the law and obey my privacy. My Information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person, which is another violation of other federal and state laws in addition to 15 USC 1681 and others. I have a list of violations that I am prepared to use in federal court. This unlawful credit reporting practices has also caused me extreme stress and credit denials.

Company response to consumer: Closed with explanation