Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
State: FL
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 been disputing with Equifax for the past year about items on my consumer report being incorrect and not verified. While disputing the only response I ever get is to send in proof of identity which I have done 3 times already. I recently received an updated report form them stating that accounts again were verified, and you are able to see this through my recent complaint with the CFPB ( complaint number XXXX ) was filed on XX/XX/23 and received a response on XX/XX/23. I'm questioning their actual investigation into my consumer file because the accounts that they say were verified I was able to get them deleted myself because the companies could not verify as you also can see in both complaints that I have filed with you. Company : XXXX XXXX XXXX Complaint # XXXX and Company : XXXX XXXX XXXX  Complaint # XXXX. As you can see in the response from both companies, they were not able to validate the alleged debts on my consumer file and had to delete the immediately. I feel that I have been treated unfairly and Equifax is in violation of the Fair Credit Reporting Act. The false investigation into my consumer file has caused me as a single mother to not be able to obtain new transportation for me and my family or safer housing. I have been denied the credit I need on multiple occasions by companies who have used my Equifax score and report to rate my credit worthiness. I am seeking monetary relief for damages caused by Equifax for just plainly doing their job as a furnisher of consumer reports. My character has come into question when trusting my ability to payback anything that I owe because of alleged accounts that have not been verified reporting on my consumer file. I am seeking monetary relief for every violation that Equifax has done against me the consumer, as listed : 1 -- -- 607. Compliance procedures [ 15 U.S.C. 1681e ] ( a ) Identity and purposes of credit users. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 605 [ 1681c ] and to limit the furnishing of consumer reports to the purposes listed under section 604 [ 1681b ] of this title.

2 -- -- - ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
3 -- -- 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise 4 -- -- 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 5 -- - ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

6 -- -- - ( 4 ) Consideration of consumer information. In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information.

Company response to consumer: Closed with explanation