Consumer complaint received 2023-01-30
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 I, notified EQUIFAX through written correspondence notarized through certified mail about multiple inaccuracies on a consumer report that was created containing information about me the consumer. Over thirty days later I recieved an automated response stating that the accounts were " VERIFIED '', upon receiving the automated response I decided to try my chances over the phone with a REAL PERSON after several phone calls I was able to get a representative on the line where I the consumer then began to ask questions about their METHOD OF VERIFICATION the representative shortly began to get rude and started disrespecting me because I the consumer informed him that I had rights and EQUIFAX wasn't respecting them due to the fact that my privacy was being violated and they were not using any reasonable procedures in order the ensure maximum accuracy in their reports or a respect to the consumer 's privacy. The representative hung up on me and after several more attempts to resolve the matter over the phone I realized that maybe representatives at EQUIFAX weren't actually there to assist consumers with these matters. I then sent out a second written notice on XX/XX/2022 notarized via certified mail informing EQUIFAX about the fact that they had failed to follow proper procedures and have been willfully noncompliant. I then waited and waited and waited and waited and waited until I decided to contact EQUIFAX over the phone to inquire about my written correspondence when they then informed me that they never received it, upon further investigation I then came to the conclusion that EQUIFAX in fact decided to decline the written correspondence causing it to get lost in the United States Postal Services System. I then decided to send them a third notice more recently on XX/XX/2022 via certified mail informing EQUIFAX about the adverse information that they are reporting which has caused me severe financial hardships, mental anguish and has made me subject to predatory rates and extortions of credit transactions. In the written letter I informed XXXX about the damage that their conduct has caused me, the fact that my privacy continues to be invaded, the violations under the Fair Credit Reporting Act 15 U.S.C 1681. I the consumer printed out the credit report being reported by XXXX and highlighted each derogatory account and adverse information being contained within the report while also adding each violation committed by EQUIFAX. At this moment I have attempted to resolve this issue on multiple occasions and have came to an understanding that EQUIFAX is just as unlawful as any convicted felon who continues to commit crimes willingly and knowingly. I am beyond belief at the way that EQUIFAX has conducted themselves and how they manage and maintain consumer files so negligently. I have suffered many a sleepless nights and countless hours away from my family and friends because of the stress EQUIFAX has caused me. However I will not be discouraged or stopped from correcting the errors in information and holding XXXX responsible for ASSUMING such a VITAL role in my life without my permission or consent. EQUIFAX has been notified numerous times about report inaccurate information on consumer report. They have defamed my character and have caused me severe financial hardship. There are a total of XXXX accounts reporting inacurrately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation