Consumer complaint received 2021-12-03
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/XXXX, I disputed several incorrect and fraudulent items that were appearing on my credit report. I filed the proper FTC reports and provided thorough documentation to have the items removed. On XX/XX/XXXX, I received a notice from my credit monitoring service. XXXX XXXX and online via the Equifax portal that, the items in question had been deleted. Equifax has refused to provide me the corrected report and also has refused to MAIL me my report as precribed by law for over 95 days. This is an egregious violation of my rights. 

After several calls to resolve the issue and have the items delivered to me online, as perscribed by my dispute and instructions from Equifax to receive them online - Equifax to date, has refused to provide my UPDATED and CORRECTED report as of XX/XX/XXXX. 

I then recieved a letter in the mail addressed from Equifax on XX/XX/XXXX, threatening that Equifax would RE-ENTER the disputed items on my credit report - and then send me a notice about it. This is absurd. Equifax clearly has violated the FCRA law by refusing to provide me with my UPDATED credit report that shows NO DEROGATORY INFORMATION. 

I feel that this is an egregious violation of my rights. After several attempts and terrible treatment by Equifax XXXX  - I feel now that I must file yet another SERIOUS COMPLAINT against Equifax to force them follow the FCRA law and provide me with the results of my credit report - SHOWING NO DEROGATORY INFORMATION ( as of XX/XX/XXXX to XX/XX/XXXX ) The final issue was with calls placed to EQUIFAX at number given XXXX - on XX/XX/XXXX and on XX/XX/XXXX. This number will be noted on the letter ( attached proof ) that Equifax provided this number and instructed to call. 

On XX/XX/XXXX, I called telephone number XXXX - as outlined in the letter dated XX/XX/XXXX - and spoke with Equifax XXXX XXXX  XXXX XXXX name given ) Employee ID ( given ) XXXX. After verification of my information, this person named XXXX, indicated to me over the phone that Equifax had recieved the FTC documentation and had DELETED the items in question. I asked why Equifax has not sent me my results as prescribed by law, and no answer was given, and was told that I would only recieve my reports via mail. This is in violation of their own instructions that I would recieve my results online and mail - to which neither has Equifax made available to me. 

On XX/XX/XXXX - I called the same number as above, to follow up as to why I HAD YET TO RECEIVE MY CREDIT REPORTS in the MAIL since XX/XX/XXXX and spoke to an Equifax agent named XXXX XXXX name given ) and this person seemed very fraudulent, would not verify my information, and then hung up on me. After XXXX more calls back to the same number above as provided by Equifax - XXXX would pick up the phone, mutter an obscenity, and then hang up. I have copies of these calls and the call logs will prove as such. 

I feel Equifax, is purposely engaging in deceptive business practices and willfully violating the provisions of the FCRA in an attempt to coerce me in to purchasing a PAID SUBSCRIPTION credit monitoring service from Equifax. To which I have refused and have no intention of adding a subscription to their credit monitoring service. 

As per the FCRA in regards to correspondence from credit bureaus regarding sending correspondence after the dispute has been completed- As per the CFPB Guidelines, ( outlined in a report by the CFPB for this very egregious practice on SEP 04, 2013 ) The CFPB expects each furnisher to fulfill its legal obligations by : " Receiving information and investigating disputes : When a consumer files a dispute about a credit report item, companies need to be able to receive information about the dispute and must investigate the consumers concerns. 
Providing investigation results : Furnishers must report the results of the investigation to the consumer reporting company that sent the dispute originally. 
Correcting inaccurate information : Furnishers are required to report the results of the investigation to nationwide consumer reporting companies if those companies may have received inaccurate or incomplete credit information. Furnishers also have to modify, delete, or permanently block disputed information that is incomplete, inaccurate, or can not be verified. 
If the CFPB determines that a furnisher has engaged in any acts or practices that violate the Fair Credit Reporting Act or other federal consumer financial laws, it will take appropriate supervisory and enforcement actions to address violations and seek all appropriate corrective measures, possibly including restitution to harmed consumers. The CFPB will continue to review furnishers compliance with these requirements. '' It should be noted that I have a Fraud Alert on my credit report and HAVE NOT GIVEN ANY AUTHORIZATION TO HAVE MY CREDIT REVIEWED for any credit or financing purposes since the time of this dispute resolution by Equifax on XX/XX/XXXX. 

I am asking that the CFPB resolve this matter and ensure that Equifax does not engage in any further acts against me that would violate my rights under the FCRA nor provide further injury to my clean and secure credit history. 

Thank you. 

XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with explanation