Consumer complaint received 2022-03-01
Company: EQUIFAX, INC.
State: UT
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:
On 4 separate occasions within the past 6 months, I have requested that Equifax permanently delete the tradelines they have compiled in the consumer file and consumer reports concerning me. I mailed disputes to Equifax on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I mailed my disputes to the address theyprovided and to their registered agent in my state. 

On 4 occasions, they have failed or refused to delete defaming inaccurate and incomplete information, which is damaging my character, causing business disparagement, emotional distress, and mental anguish. I am being harassed by Equifax 's failure to follow the Fair Credit Reporting Act 's requirement of ensuring maximum possible accuracy. 

I have been a victim of identity theft, and I requested that Equifax delete all personal information that does not legally identify me, incorrect names and addresses to help with reducing my susceptibility to further identity theft. Equifax has failed or refused to permanently delete addresses that do not belong to me, and that I have not furnished to them. 

Equifax has failed or refused to permanently delete tradelines that are furnished by companies that do not legally exist. I have no recourse against these companies because they do not have registered agents in my state. Therefore, they must be deleted and never had permissible purpose to furnish any information about me or access the consumer file or consumer reports concerning me. 

Companies in the consumer file and on consumer reports concerning me that do not exist are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with billing errors in violation of the Title 12 Code of Federal Regulation Part 1026.13 ( 12 CFR 1026.13 ) also noted at 15 USC 1666 . Permanently delete LATE payment history from : XXXX. XXXX XXXX XXXX  I have never been late on the account with XXXX XXXX XXXX. This billing error is causing me damage, and I have not been provided certified proof of documentation that contradicts my dispute. Furnishing transactional history is a violation of FCRA 603 ( b ) ( 2 ) ( A ) ( i ).

8. There is even one tradeline account that Equifax is reporting that doesn't even have a company name. I've requested the deletion multiple times and Equifax still refuses. I will include the account number below.

Equifax has taken over 30 days, even over 45 days, to conduct their investigation, and reinvestigations. Equifax has failed or refused to comply with FCRA 609 and provide me with full disclosure of everything they have in the consumer file concerning me. I requested it on XX/XX/XXXX, and I have yet to receive the physical copy as requested, or any acknowledgement that they needed more time. FCRA 609 says they only have 15 days to comply. 

As the only person available with firsthand knowledge as to the accuracy and completeness of any information regarding my private financial matters, it is necessary for Equifax to contact me directly prior to adding anything into the consumer file or furnishing any consumer reports to anyone. Equifax has failed to do this even though I have requested this. No one else can validate or verify any accuracy of any tradeline, except me. Equifax has shown a pattern of allowing entities ( legally formed and not ) to access the consumer file and consumer reports concerning me without any permissible purpose by law. I am being damaged by this. 

Attached are my dispute letters Equifax has failed or refused to delete inaccurate and incomplete information in accordance with the Fair Credit Reporting Act. 

I have been trying to get Equifax to comply with the Fair Credit Reporting Act regarding these accounts for over 18 months. Equifax has shown a pattern of negligently and willfully violating the Fair Credit Reporting Act and my consumer rights.

Company response to consumer: Closed with explanation