Consumer complaint received 2018-10-15
Company: EQUIFAX, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
NOTICE OF INTENT TO SUE : NOT DOING A PROPER INVESTIGATION. 
A lawsuit has been filed in XXXX XXXX county against your company for its failure to do a proper investigation into disputed items on my credit report. I have documented proof and a long paper trail of all the certified mailings that have been sent to your company about these disputed accounts. I have all of your replys into these investigations and i also have your REFUSAL letters to do a proper Re-Investigation into these FRAUD accounts that were opened not by me. All of these accounts were open and sent to a address that DOES NOT belong to me. Your company REMOVED the fraud address and left the fraud accounts listed on my report. Your company admitted that the investigation it did PROVED that the address was fraud and Your company removed the fraud address. 
If your conclusion was to remove the fraud address then you should have removed the fraudulent accounts associated with the fraud address. These accounts are NOT MINE. 
I would like to see applications for credit in my name with MY EXACT ADDRESS and not the fraud address. I would also like to see applications for service, bearing my actual signature and not some computer generated online signed document. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. ( Fraud Address - XXXX XXXX XXXX XXXX XXXX ) The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from my report immediately. 
( My address is XXXX XXXX XXXX XXXX XXXX ) TransUnion did a proper investigation like i asked of them and came to the conclusion that these account were open fraudulently, and the REMOVED and DELETED all the accounts. I have enclosed proff of such investigation results from XXXX. This is why XXXX was not a part of the lawsuit that was filed. 
This account needs to be removed from our credit report immediately. I urge you to promptly update your credit records and correct your reporting of our credit to XXXX XXXX, XXXX   and Equifax. 
As it stands now the reporting is a clear violation of the Fair Credit Reporting Act. ( FCRA ) I would also mention that one needs to also insure your employees are receiving and following the proper training in regard to your chosen industry. This statement is in reference to the past nature of your correspondence/communication. The Court has stated the following, which you should be quite familiar with : The Fair Debt Collection Practices Act, 15 U.S.C. 1692-1692n ( " FDCPA '' or " Act '' ), under which this case arises, is premised on the congressional belief  that " 'every individual, whether or not he owes the debt, has a right to be treated in a reasonable and civil manner, ' '' XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ), citing XXXX XXXX. Rec. XXXX ( XXXX ). At this time, we solely seek the correct remedy to our credit report. It is in good faith that we will assume your employees in the future will follow the rules of the FCRA/FDCPA with any of your other clients you may have, as they have failed miserably thus far in our case. We stress that this matter requires your immediate attention as we are currently, due to your reporting. 
XXXX XXXX {$2000.00} Closed XXXX XXXX XXXX Closed : XX/XX/XXXX {$830.00} XXXX XXXX  XXXX XXXX Closed : XX/XX/XXXX {$160.00} XXXX   Closed XXXX XXXX {$9400.00}

Company response to consumer: Closed with explanation