Consumer complaint received 2022-12-09
Company: EQUIFAX, INC.
State: CO
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:
CFPB UPDATE TO COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX STATUS : XX/XX/XXXX Why is this company still being allow to do business in the United States of America XXXX 
Equifax has committed fraud and lied about the response they sent me. 
My Request items which have not been addressed. Since my original request on XX/XX/XXXX. 

THE COMPANYs RESPONSE ADDRESSED ALL MY NEEDS : NO! 
I called Equifax on XX/XX/XXXX and requested that they update to my previous address and that they would update my consumer statement. I was on the phone with a representative who claimed her ID was XXXX for more than and hour. She told my that the updates would be available in the file within XXXX hours. I also sent a letter asking for this update on XX/XX/XXXX, I Faxed this request on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

As of XX/XX/XXXX my request has never been updated. 
( 1 ) I requested that my consumer statement be replaced with the update provided : PLEASE REPLACE THE Consumer Statement to my credit report to read as follows : " The negative action that caused XXXX  XXXX to become inaccurate in reporting is the result of a XXXX XXXX XXXX  " SPECIAL CONDITION '' which required me to file Bankruptcy in XXXX to prevent an illegal transfer of my home and interest, after finding out that I was the victim of forgery, fraud and theft during and after my divorce. See Adversary Proceeding. As a legal bankruptcy requirement I reported my loan with XXXX XXXX which was not delinquent. Car payments were continued during and after the bankruptcy proceedings. My total amount of payments to XXXX XXXX is in excess of the cash value {$13000.00}. '' THIS XXXX STATEMENT IS STILL CURRENTLY ON FILE On XX/XX/XXXX My consumer statement has not been updated : XX/XX/XXXX I REQUEST EQUIFAX REMOVE THE FILE BLOCK FREEZE ON MY CREDIT FILE IMMEDIATELY I DID NOT AUTHORIZE THIS CREDIT FREEZE ADD THIS STATEMENT AT THE BEGINNING OF MY EXISTING COMMENT ( 2 ) I disputed XXXX  XXXX XXXX  via letter on XX/XX/XXXX because Equifax blocked my ability to dispute online between XXXX and XXXX of XXXX. 
I also sent dispute faxes on this account on : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
As of XX/XX/XXXX XXXX ) Which read : " I AM DISPUTING THIS ACCOUNT WITH CAPITAL XXXX AUTO FINANCE : XXXX XX/XX/XXXX, Settlement Confirmation PAID IN FULL I paid this account which is not updated Payment Confirmation XX/XX/XXXX ; ( Attached confirmation # XXXX ) XXXX  XXXX sent an update on this account to Equifax on XX/XX/XXXX, based upon a letter I received which should have made updates to this account to show PAID IN SETTLEMENT ( FULL ). 
As of XXXX XXXX, XXXX Equifax is not reporting this update. 

XXXX XXXX sent me a letter on XX/XX/XXXX which included my Ownership Title. 
which I have. 
As of XX/XX/XXXX Equifax has not reflected the account PAID IN SETTLEMENT. 

XXXX XXXX sent me a letter on XX/XX/XXXX to confirm the Lein Release that was securing my car was paid. 
As of XX/XX/XXXX Equifax has not reflected the account PAID IN SETTLEMENT. 
Equifax has Lied to CFPB stating they responded to my dispute as follows : On XX/XX/XXXX, I received XXXX letters in the mail from Equifax both requested that I send ( 1 ) Identification dated back to XX/XX/XXXX. 
( 2 ) Address. dated back to XX/XX/XXXX. 

CFPB DO YOU UNDERSTAND THE COMPANYs RESPONSE : NO : WHAT EQUIFAX HAS DONE FOR THE LAST TWO MONTHS HAS COMMITTED FRAUD AND DAMAGED MY ABILITY TO GET UPDATES MADE TO MY CREDIT REPORT WHICH MEANS THEY INTENTIONALLY CAUSED HARM TO MY CREDIT. 
EQUIFAX PREVENTED ME FROM MY ABILITY TO SUBMIT AN ONLINE DISPUTE AGAINST XXXX  XXXX XXXX  XXXX  FOR XXXX MONTH XXXX THRU XXXX OF XXXX. 

EQUIFAX HAS SENT YOU A RESPONSE THAT IS FRAUDULENT REGARDING WHAT THEY HAVE DONE TO RESOLVE THIS DISPUTE. THEY GOT MY ADDRESS AND SENT ME LETTERS THAT THEY WANT ME TO SEND THEM ID AND ADDRESS PROOF. 
" I CALLED ON XX/XX/XXXX AND SPOKE WITH A REPRESENTATIVE TO GET THIS DONE. THE XXXX LETTERS THEY SENT ARE FRAUDULENT CORRESPONDENCE. 

EQUIFAX HAS DONE NOTHING TO REPLACE MY OLD CONSUMER STATEMENT WHICH IS STILL SHOWING MY OLD STATEMENT FROM XXXX. 

HAS THE COMPANY DID WHAT THEY SAID THEY WOULD DO? 
NO! 
WHAT EQUIFAX HAS DONE FOR THE LAST XXXX MONTHS HAS COMMITTED FRAUD AND DAMAGED MY ABILITY TO GET UPDATES MADE TO MY CREDIT REPORT WHICH MEANS THEY INTENTIONALLY CAUSED HARM TO MY CREDIT. 
EQUIFAX PREVENTED ME FROM MY ABILITY TO SUBMIT AN ONLINE DISPUTE AGAINST XXXX  XXXX XXXX  XXXX  FOR XXXX MONTH XXXX THRU XXXX OF XXXX. 

EQUIFAX HAS SENT YOU A RESPONSE THAT IS FRAUDULENT REGARDING WHAT THEY HAVE DONE TO RESOLVE THIS DISPUTE. THEY GOT MY ADDRESS AND SENT ME LETTERS THAT THEY WANT ME TO SEND THEM ID AND ADDRESS PROOF. 
" I CALLED ON XX/XX/XXXX AND SPOKE WITH A REPRESENTATIVE TO GET THIS DONE. THE XXXX LETTERS THEY SENT ARE FRAUDULENT CORRESPONDENCE. 

EQUIFAX HAS DONE NOTHING TO REPLACE MY OLD CONSUMER STATEMENT WHICH IS STILL SHOWING MY OLD STATEMENT FROM XXXX. 

EQUIFAX HAS NOT SHOWN AN UPDATE TO MY REPORT SINCE XXXX, XXXX WHY AFTER ALL MY CORRESPONDENCE IS THERE NO UPDATE TO THE REPORT? 

AS OF TODAY XXXX XXXX XXXX I HAVE BEEN GIVEN ACCESS TO BEGIN ANOTHER DISPUTE ONLINE. THE LAST XXXX MONTHS HAVE BEEN FRAUD COMMITTED BY EQUIFAX AGAINST ME. 

THE DOORS OF THIS COMPANY SHOULD BE CLOSED. 

EQUIFAX UPDATE TO REFLECT THE PAID STATUS BUT EQUIFAX HAS REFUSED TO MAKE THE CHANGE. 

THIS IS WHAT IS NOW AVAILABLE : Overview Account Number XXXX XXXX Account Status CHARGE_OFF Owner INDIVIDUAL Account Type INSTALLMENT Creditor Classification Loan Type AUTO Original Creditor Name Months Reviewed XXXX Activity Designator Terms Frequency MONTHLY Term Duration 73 MONTHS Purchased From Sold To Balance and Amounts Balance {$5100.00} Credit Limit High Credit Available Credit Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency XX/XX/XXXX Comments and Contact CHARGED OFF ACCOUNT ACCOUNT PREVIOUSLY IN DISPUTE NOW RESOLVED BY DATA FURNISHER For questions regarding this account please contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation