Consumer complaint received 2020-05-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To whom it may concern, I, XXXX XXXX XXXX have been requesting verification of the following account that Equifax continues to report on my credit file : XXXX XXXX XXXX XXXX. My request for verifiable proof has continued to go ignored. Ive disputed this account twice through the CFPB with being the only side submitting documentation only for Equifax to once again reply with results have been mailed to me. ( Take note I have not received correspondence for confirmation # XXXX please confirm you sent it to the accurate address listed to this complaint along with a tracking # as well as attach the documentation to this complaint for faster review ) 1. Submitted proof of inaccurate address for collections listed on credit file with proof of returned certified mail ( refer to XXXXXXXX attached ) for verification mailed directly to the collection company listed XXXX XXXX XXXX. TAKE NOTE OF THE FIRST DATE OF DELINQUENCIES FOR ORIGINAL CREDITOR AND COLLECTION AGENCY THAT DO NOT MATCH ON THE ATTACHED PDF 'S XXXX & XXXX 2. Submitted correspondence to CFPB as well to Equifax back in XXXX informing that the listed number for XXXX XXXX XXXX is disconnected. When researching the company I read the same problems of disconnected number listed by other consumers. 
3. Submitted proof of other method of attempting contact with the collection company XXXX XXXX XXXX via their email portal that received no response ( see attached XXXX   ). 
4. Submitted proof that Equifax has not in fact disputed the account as stated to CFPB on XX/XX/XXXX for complaint ID XXXX, when Equifax initially responded that they were investigating the account ( see XXXXXXXX and take notice of dates and that no dispute remarks are in file ). Complaint was closed following day XX/XX/XXXX with Equifax stating results were mailed ( received credit file for date XX/XX/XXXX confirmation # XXXX. All mail correspondence received and no dispute is listed for the account " allegedly disputed '', no updates for account, and no information on who allegedly verified the account ( denying me the ability for the last year to address the alleged data furnisher ). I would have been considerate to allow another 30 day waiting period had the furnisher been provided on prior disputes so that I could take proper methods. After being robbed of my time for over a year and Equifax illegally reporting practices that damaged my credit file I will no longer wait. 
5. Equifax has failed to investigate the account within the 30-45days allotted them on multiple occasions according to the time frame governed by the FCRA. 
6. Submitted proof of deletion from XXXX  and XXXX  for original creditor XXXX XXXX for failing to have all lawful requirements that allow them to list an account ( see attached XXXX & XXXX ). Original Creditor was unable to provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. Under the laws of the State of Texas UCC 9.506 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

" UNAUTHORIZED DISPUTES '' ... After Equifax acknowledged my dispute on CFPB on XX/XX/XXXX instead of investigating the disputed account Equifax took it among themselves to dispute two exceptional accounts on my credit profile. One being a 17 year old student loan that's been paid as agreed and has an exceptional history which allows my profile to look admirable to creditors causing my history to disappear. The second account Equifax disputed was a current credit card with my current banking institution XXXX XXXX XXXX XXXX for a {$25000.00} limit ( see both attached XXXX & XXXX XXXX. This account also has exceptional history. Disputing this account could have closed down my credit card permanently. Equifax disputed these without my consent or knowledge and I will be addressing this matter with legal counsel. Because of this attack on my credit profile I have no reason to believe that Equifax was also the reason I decided to close a previous good history secured credit with another bank " XXXX  XXXX '' who did not understand why my last 4-5 months of XXXX and on time balances were not being reported at all when they confirmed it had been submitted on their end every month. Equifax was the one Bureau that XXXX  XXXX reported to. Equifax is systematically attempting to prevent my credit profile from improving when it's been apparent that all my accounts and financial responsibility has been shown immaculate since I've been working on my credit the last 4 years. 
I, XXXX XXXX XXXX demand that Equifax permanently and immediately delete account " XXXX XXXX XXXX '' & " XXXX XXXX XXXX XXXX '' from my Equifax credit profile. Due to the lack of verification, refusal to investigate while stating " under investigation '' to CFPB, failing to investigate within the time frame according to FCRA, inaccurate reporting, and all the reasons stated above. I have been patient enough and it has been costly on my part. My next step is the FTC & the Texas Attorney General.

Company response to consumer: Closed with explanation