Consumer complaint received 2021-12-10
Company: EQUIFAX, INC.
State: AL
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:
Hello I am very disturbed that Equifax continues to post in accurate and unverified items on my credit report. I have sent numerous letters with minimal response to obtain a written procedure of their method for investigation into my disputes and in most cases, they have failed to respond completely as this is XXXX of the cases of the dispute letters, I sent out on XX/XX/2021 and it is now XX/XX/2021 and I havent gotten a response in writing yet. It appears that Equifax doesnt care about damaging my consumer profile with unverified and inaccurate information that has prevented me from obtaining homes, employment and lower interest rates when attempting to apply for credit in which I have been denied numerous times due to Equifax XXXX ( SOLELY ) on XXXX to do their investigation with some out dated numbering system that guesses what category, number or classification a consumer dispute fall into for verification without no one but a computer reading dispute and no human responsible for deciphering the dispute. This is the main reason the CFPB receives XXXX complaints on Equifax a year and Equifax has not changed the way or process they verify consumer data because they DO NOT CARE about insuring, they post accurate and verified data on a consumers credit profile. At the beginning of XX/XX/2021, I noticed Equifax had reinserted items back on my credit report that had previously been removed. Equifax did not send me ANY notification nor did the entity that Equifax claims verified the erroneous information on my credit report PRIOR to reinserting these negative inaccurate unverified items on my report which are listed here as I have asked by phone and mailed letters for Equifax disputing there claims and remove and delete these negative inaccurate unverified items OFF my credit report. They consistently drag their tail and sometime but not often send a vague response to my questions in my dispute letters and by phone. I consider this a very shady practice and I expect better from an entity that controls whether a family will be able to purchase a XXXX home for a family of XXXX or living in a government housing project because Equifax doesnt XXXX enough to ensure consumers credit reports are accurate. Equifax NEEDS to remove and delete immediately these items below as they have not verified them at all no have, they sent me ANY of the detailed information I requested by phone and by mail. 
DELETE AND REMOVE AND NEVER REINCERT THESE ITEMS OMN MY CREDIT REPORT AGAIN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX CHILD SUPPORT XXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Reaching out to the CFPB is my second to the last options because my final option is seeking legal advice as I have an extensive XXXX XXXX to support my statements.

Company response to consumer: Closed with explanation