Consumer complaint received 2022-01-12
Company: EQUIFAX, INC.
State: NC
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:
Greetings, XXXX and XXXX did not adequately investigate negative items reporting on my credit report. There were several inconsistencies between the 3 bureaus Equifax, XXXX and XXXX as well as within their own reports. 

My XXXX ( XXXX 2021 ) and XXXX ( XXXX 2021 ) dispute request with them was to have these constant and inconsistently reporting accounts removed/deleted from my credit report. I provided some of the information that was reporting inconsistent. The credit bureau ( did another 30 day investigation instead ) XXXX 2021. Their investigation results was that the credit reporting agencies where verifying the accounts and that all of the inconsistent information was verified. 

I sent proof to the bureaus of me writing one of the negative credit accounts on my credit report and that the address was reporting differently from that of each credit bureau and that my letter was returned back and that they were not accepting my calls, emails and so forth. The bureaus once again responded that the accounts were being adequately investigated and verified. 

I am not sure how the credit agency ( negative accounts ) were able to verify these accounts to the bureaus. It is against the law for them to speak with the credit bureaus during my personal investigation which by law I requested that they not speak with anyone. I received documentation that confirms they did not speak with anyone during the time the credit bureaus claimed that these negative accounts were verified by them. This is illegal a direct violation of my privacy. 

Finally, after my XXXX, dispute, Equifax found all of the inconsistencies and removed all XXXX negative accounts. During my XXXX, dispute XXXX and XXXX still is reporting these negative accounts. I have since been denied credit for a car. I am a XXXX XXXX XXXX I need a car to work to live. This is the field that I work in and without the car I can not work. I have already been denied credit for a home as well a direct result of these negative accounts reporting on my credit report. 

These companies should not have had the opportunity to continuously make changes over several months. They had 30+ days to adequately verify the information they were reporting to the bureaus. It can not be verified if after the second 30 day investigation there are still inconsistencies. These accounts where not adequately investigated by the credit bureaus therefore they could not have been adequately verified which is LAW or else it must be deleted/removed according to the FCRA section XXXX09 and section 611 This is not the law or fair for a consumer to be consistently denied credit especially when the reported information being used to evaluate the credit worthiness of an individual is false and with constant inconsistencies. 

I request again that XXXX and XXXX would please remove all XXXX negatively reporting credit accounts XXXX, XXXX and XXXX from my credit report. I also ask that all the credit bureau 's increase my credit score as a result of these negative accounts being removed. 

( Equifax never changed my credit score at all after removing these same XXXX accounts. I was advised to speak with the CFPB about the score increase from Equifax. ) Please consider that when these XXXX accounts where reported that my score immediately went down therefore removing them should reflect a score increase as well. 

I was instructed to speak with the CFPB regarding this matter. 

Disputes/Investigations between XXXX 2021 ~ XXXX 2021. 

If you have any questions please see supporting documents attached and you may reach me at my email address which is attached in the documents. Thank you again!

Company response to consumer: Closed with explanation