Consumer complaint received 2020-03-23
Company: EQUIFAX, INC.
State: NJ
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:
This is my third complaint against Equifax. I have outlined every time what the issues are and they have still failed to correct my credit report. Equifax is required by law to provide the original documentation proving that debt is accurate in their verification process and they have failed to do so every single time. Equifax did not respond to me with 30 days as the law states. They continue to not follow the law and they needed to be investigated because they are not incompliance wit the FCRA. 

I got a copy of my credit report and wanted to dispute some accounts. I sent a letter to Equifax disputing the bankruptcy and XXXX XXXX XXXX XXXX on my report on XX/XX/XXXX. I was disputing them according to Section 609 ( a ) ( 1 ) ( A ) -Equifax is required by law to verify through the physical verification of the original signed consumer contract- any and all accounts they post on a credit report. They failed to provide Verifiable Proof ( as original Consumer Contract with my Signature on it ) Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed on the dispute. I received a response from Equifax on XX/XX/XXXX stating that they verified all accounts and the items is being reporting correctly.. I did not agree so I sent a second letter to Equifax on XX/XX/XXXX requesting they show proof, because they had not provided me a copy of ANY original documentations required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. I got no response from them. So I sent them no response  letter on XX/XX/XXXX because it has been more than 30 days and I had not received a response. I received delivery confirmation that Equifax received my letter on XX/XX/XXXX. In accordance with.1629 ( 8 ) of the debt collection practices act, which clearly states that any information known to be false, can not be reported to any credit bureau. I requested that they immediately delete the disputed information from my credit report. I got a response on XX/XX/XXXX from Equifax and the unverified accounts still was on my credit report. So I sent another letter to Equifax on XX/XX/XXXX disputing this bankruptcy. I have sent letter to Equifax on XX/XX/XXXX, I got a response stating they could not find my information in the system. Which is a stalling technique. I sent the information on XX/XX/XXXX. I got no response from Equifax. I sent another dispute on XX/XX/XXXX again no response from Equifax, so I sent another dispute on XX/XX/XXXX and I have yet to get s response from Equifax. This is unacceptable. 


Attachments SecondRound_Equifax_1_Letter.doc ( 97.5 KB ) 02-4_A_Letter4_Equifax_DW4.doc ( 33.5 KB ) 02-8_D_Equifax_Non Response in 30 Days _DW.odt ( 5.5 KB ) View full complaint

Company response to consumer: Closed with explanation