Consumer complaint received 2018-02-05
Company: EQUIFAX, INC.
State: MA
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:
My inquiries to XXXX ( Account : XXXX ), XXXX XXXX XXXX ( Account : XXXX XXXX XXXX ), XXXX XXXX XXXX ( Account XXXX XXXX ), and XXXX XXXX ( Account : XXXX* ) confirmed that Equifax Credit Bureau has never validated or verified the adverse entries on my credit report pertaining to those 4 named accounts. In XX/XX/XXXX, XX/XX/XXXX and XXXX of XXXX, sent through certified mail, I mailed letters to Equifax in order to dispute the validity and reporting status of these accounts. 

I cited that according to section 616 and 617 of the FCRA that if these accounts were not verified, then by law they should be deleted from my credit report. Despite three written requests, the unverified accounts still remained on my credit report in violation of Federal Law. Equifax is required by federal law under the FCRA to have a copy of the original  documentation on file to verify that this information is mine and is correct. In the results of the investigation that I received on XX/XX/XXXXEquifax stated, in writing, that additional information had been provided from their original source, and that the creditor verified to them that these items were being reported correctly. I was not informed as to what information was provided about the accounts, and more importantly, I was not provided with a copy of any original documentation. This documentation would be a consumer contract, or a business agreement with my original signature on it as required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) of the FCRA.

Equifaxs inability to conduct a reasonable investigation should not be taken lightly, as attempting to work with them has caused me to lose opportunities due to these errors. I have attached several documents that will prove the following : 1. That Equifax never requested verification or validation in the form of an original contract with my signature on it, the correct loan amount, and verification of the correct reporting dates and payment history, as I have requested several times which is in direct violation of the FCRA.

2. That even though I filed a dispute with XXXX regarding the validity of these exact accounts, and XXXX  followed the law and deleted these invalidated accounts ; knowing this, Equifax did not conduct the proper investigation needed in order to make sure that their reporting of these accounts was accurate and congruent with the other Credit Reporting Agencies. 

2 ( a ). These companies do not have any contracts with my original signature on it.

2 ( b ). These companies do not have a contract that states that I consented to a relationship with them, business or otherwise.

2 ( b ) ( 1 ). They do not have either of these items at their physical location, or in their physical possession in the form of an original or E-Signature.

2 ( b ) ( 2 ) Again, per the FCRA, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through physical verification of the originally signed consumer contract and/or judgments all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for reporting to your services could fax, mail, or email in the fraudulent and erroneous account information. 

I have given Equifax multiple opportunities to follow the laws and Ive even called them in order to discuss my concerns, to no avail. Please assist me with this matter, as it is very clear that these accounts should be permanently deleted from my credit report.

Company response to consumer: Closed with explanation