Consumer complaint received 2022-07-20
Company: EQUIFAX, INC.
State: CA
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:
-I PULLED MY FIRST XXXX CREDIT REPORT AND MADE A COPY OF IT IN XX/XX/XXXX. THE " DATE REPORTED '' ON THAT CREDIT REPORT WAS XX/XX/XXXX FOR THE XXXX ACCOUNT. 

XXXXTHIS WAS THE FIRST CREDIT REPORT PULLED THAT TRIGGERED MY REQUEST FOR INVESTIGATION FROM THE 3 MAJOR CREDIT BUREAUS BECAUSE OF SO MANY INACCURACIES AND MISSING INFORMATION. 

NEXT I STUDIED UP ON WHAT I SHOULD BE DOING NEXT AND ORDERED A COPY OF THE FAIR CREDIT REPORTING ACT. 
-I SENT A ROUND 1 LETTER. THIS WAS A REQUEST FOR FULL INVESTIGATION TO ENSURE ACCURACY ( Letter to Remove Inaccurate Credit Information ) DATED XX/XX/XXXX. I SENT IT CERTIFIED WITH A RETURN RECEIPT. 

-U.S XXXX POSTAL SERVICE CERTIFIED MAIL RECEIPT TRACKING # XXXX XXXX XXXX XXXX XXXX. 
-RETURN RECEIPT DATED XX/XX/XXXX TRACKING # XXXX XXXX XXXX XXXX XXXX XXXX. 

-EQUIFAX RESPONDED, DATED XX/XX/XXXX, CONFIRMATION # XXXX. 
-EQUIFAX NOTIFIED ME THAT THE RESULTS OF THE DISPUTE ARE COMPLETE. THE ACCOUNT HAS BEEN UPDATED BY EQUIFAX. 
-I THEN ORDERED ANOTHER TRI-MERGED CREDIT REPORT. 
-THIS NEW CREDIT REPORTS " REPORTING DATE '' FOR EQUIFAX XXXX XX/XX/XXXX. 
-THE ACCOUNT IS STILL EXTREMELY INACCURATE AND MISSING VITAL INFORMATION IN MULTIPLE AREAS. 

NEXT -I RESPONDED TO THEIR RESULTS IN DISAGREEMENT. I SENT A ROUND 2 LETTER FOR FOLLOW-UP ( Follow-up of First Sent Letter to Remove Inaccurate Credit Information XXXX XXXX XXXX XX/XX/XXXX ). 
XXXX REQUESTED A FULL RE-INVESTIGATION TO ENSURE ACCURACY AND A COPY OF THE RESULTS OF THEIR RE-INVESTIGATION TO BE SENT TO ME FOR MY OWN FOLLOW-UP OF THEIR RE-INVESTIGATION DATED XX/XX/XXXX. I ALSO SENT THIS LETTER CERTIFIED WITH A RETURN RECEIPT. 

-U.S XXXX POSTAL SERVICE CERTIFIED MAIL RECEIPT TRACKING # XXXX XXXX XXXX XXXX XXXX. 
-RETURN RECEIPT DATED XX/XX/XXXX TRACKING # XXXX XXXX XXXX XXXX XXXX XXXX 

-EQUIFAX XXXX, DATED XX/XX/XXXX, CONFIRMATION # XXXX. 
-I RECEIVED THIS RESPONSE IN THE MAIL FRIDAY, XX/XX/XXXX. 

-EQUIFAX NOTIFIED ME THAT THE RESULTS OF MY ROUND 2 LETTER REQUESTING A FULL RE-INVESTIGATION OF THE CREDIT ACCEPTANCE ACCOUNT THAT IS STILL EXTREMELY INACCURATE WITH VITAL MISSING INFORMATION HAS BEEN DENIED BY EQUIFAX XXXX 

-EQUIFAX IS DELIBERATELY AND WILLINGLY REFUSING TO RE-INVESTIGATE THIS ACCOUNT.

-THIS IS A VIOLATION. AS A CONSUMER I HAVE THE RIGHT TO AN INVESTIGATION AND COMPLETE AND 100 % ACCURATE REPORTING OF ANY ACCOUNT ON MY CREDIT REPORT. 

XXXXEQUIFAX HAS ALSO PUT WHAT SEEMS TO BE THE WRONG ACCOUNT NUMBER IN THEIR RESPONSE TO ME.

-EQUIFAX REFERS TO ACCOUNT # XXXX IN THEIR LETTER TO ME BUT ON MY CREDIT REPORTS IT IS REFERRED TO AS # XXXX. 

ACCORDING TO THE FRCA THE TERM " INVESTIGATIVE CONSUMER REPORT '' MEANS A CONSUMER REPORT OR PORTION THEREOF IN WHICH INFORMATION ON A CONSUMER 'S CHARACTER, GENERAL REPUTATION, PERSONAL CHARACTERISTICS, OR MODE OF LIVING IS OBTAINED THROUGH PERSONAL INTERVIEWS WITH NEIGHBORS, FRIENDS, OR ASSOCIATES OF THE CONSUMER REPORTED ON OR WITH OTHERS WITH WHOM HE IS ACQUAINTED OR WHO MAY HAVE KNOWLEDGE CONCERNING ANY SUCH ITEMS OF INFORMATION. 

-EQUIFAX STATED MY INVESTIGATION WAS COMPLETE AND UPDATED VERIFYING THE INFORMATION THEY HAVE PUBLISHED FROM THEIR INVESTIGATION. HOW IS THAT POSSIBLE IF EQUIFAX DID NOT DO A PROPER INVESTIGATION ACCORDING TO THE LAW? 

-ALSO, EVERY PIECE OF INFORMATION ON THIS ACCOUNT IS STILL NOT REPORTING 100 % ACCURATE. ACCORDING TO THE FCRA 15 USC 16XXXX EVERYTHING MUST BE 100 % ACCURATE. I HAVE THE TRI-MERGE CREDIT REPORTS SHOWING THEIR INACCURACIES. 

THIS ACCOUNT NEEDS TO BE DELETED FOR MULTIPLE REASONS, TO NAME A FEW... 
- INJURIOUS/DAMAGING AND INACCURATE INFORMATION REPORTING TO MY CREDIT REPORT.

- FCRA 15 USC 1681 SECTION 604 A, STATES I HAVE THE RIGHT TO PRIVACY.

- FCRA 15 USC 1681 SECTION 604 A SECTION 2, STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 
ALSO, ACCORDING TO FCRA 15 USC 1681n ( a ) ( 1 ) ANY ACTUAL DAMAGES SUSTAINGED BY THE CONSUMER AS A RESULT OF THE FAILURE OR DAMAGES OF NOT LESS THAN {$100.00} AND NOT MORE THAN {$1000.00} ; I WANT {$1000.00} PER VIOLATION THAT IS PUBLISHED ON MY CREDIT REPORT. 

I HAVE ATTACHED A REDACTED COPY OF MY DOCUMENTS. I WILL SUPPLY ORIGINAL UPON REQUEST.

Company response to consumer: Closed with explanation