Consumer complaint received 2021-11-11
Company: EQUIFAX, INC.
State: GA
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 received from Equifax respectively from original complaints XXXX and XXXX lacking any attempt of addressing the USC code they are violating. On XX/XX/XXXX they mailed out 2 credit reports which both still have the same reporting violation where 15USC 1681a 2Ai prevents Equifax from reporting this excluded information. Equifax only response to my two previous complaints are consumer disputes account reporting instead of addressing their violation. They go on to say that they will contact the person making the report for further information. Where there is no need for them to contact the person making the report because 15 USC 1681a 2Ai is specifically directed to Equifax behavior in reporting and not the third party they are stating they will contact for more information. Its all smoke and mirrors with Equifax who now introduces stall tactics to get my complaint closed so they can continue to break the law violating my Fair Credit Report Act Rights as attached herein with their 2 recent credit reports following complaints to the CFPB. The only change is to report consumer disagrees with reporting. 

Equifax in no way addresses or corrects their violation of 15USC 1681a 2Ai, of course I disagree with the reporting and so does the entire United States Code 1681a 2Ai which specifically excludes any reporting containing information solely as to transactions or experiences between the consumer and the person making the report, Equifax negligent response of just stating completed FCRA dispute and account was updated respectively in both reports # XXXX & XXXX consumer disagrees. There disregard of the law and my rights is blatant as they continue to XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX respectively. 

Equifaxs disregard of my Fair Credit Reporting Act Rights and providing a frivolous response for FCRA violation citing accounts were updated but failed to not only address the violation of 15USC 1681a 2Ai which specifically excludes any reporting containing information solely as to transactions or experiences between the consumer and the person making the report, but also provides a vague response of just stating completed FCRA dispute and account was updated with consumer disagrees with reporting.

This complaint specifically references the company 's response that still is in violation of USC 1681a 2Ai which states : any reports containing information solely as to transactions or experiences between the consumer and the person making the report is an exclusion in consumer reporting. Equifax reporting a collections account for XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX continually violate FCRA 15 USC 1681a 2Ai. As attached Equifax sent me a copy of 2 credit reports showing the reporting still of the Medical Collection still in violation of the 15 US Code 1681a 2Ai, Equifax states : Completed investigation of FCRA dispute - consumer disagrees. Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. Equifax response systematically shows the blatant disregard for the FCRA rights of consumers as evidenced here and forces me to litigate this in court for damages if this violation occurs as instructed by the CFPB as my recourse of remedy available to me. I want it noted by Equifax disregard of the law that this response should be included in the database of mounting complaints against Equifax trying to pass the buck to the person making the report when 15 USC 1681a 2Ai specifically refers to the acts of the reporting agencies, namely Equifax and not the person making the report namely XXXX XXXX XXXX. Equifax actions will ultimately will lead to a larger class action lawsuits for their systematic violation of 15USC 1681a 2Ai.

Company response to consumer: Closed with explanation