Consumer complaint received 2020-10-16
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:
1. XX/XX/XXXX : XXXX was denied credit by XXXX XXXX based on credit report information provided by Equifax 2. XX/XX/XXXX : XXXX wrote to Equifax requesting credit report for being denied credit. 
3. XX/XX/XXXX : Equifax sent report XXXX report shows a. Extended Fraud Alert b. File Blocked for Promo Purposes c. XXXX  filed in XXXX, XXXX  XXXX XXXX, CA 4.  XX/XX/XXXX : XXXX was denied credit by XXXX XXXX based on credit report information provided by Equifax 5. XX/XX/XXXX : XXXX was denied credit by XXXX XXXX XXXX based on credit report information provided by Equifax 6. XX/XX/XXXX : XXXX was denied credit by XXXX XXXX XXXX  based on Credit Report information provided by Equifax 7. XX/XX/XXXX : XXXX received written confirmation from XXXX XXXX that a FREEZE and they will NOT share client information with other agencies 8. XXXX, XXXX : Equifax RECEIVED XXXX  letter asking for : a. Method of Validation for the XXXX  items on the Equifax report XXXX 9. XX/XX/XXXX : Equifax sent report XXXX stating they obtained the BK data from XXXX XXXX Consumer Center a. This is NOT possible as a FREEZE was confirmed by XXXX XXXX in XX/XX/XXXX 10. XXXX XXXX : Equifax RECEIVED XXXX  letter asking for : a. Signed and dated documents from XXXX XXXX personnel whom confirmed the XXXX filings b. XXXX asked for a written response prior to XX/XX/XXXX 11. XX/XX/XXXX Equifax sent XXXX a letter demanding ID documentation a. This was already sent in order to obtain the credit report already sent to XXXX 12. XX/XX/XXXX : Equifax RECEIVED XXXX   letter summarizing ; a. Past violation action by Equifax to XXXX  letters b. Method of Validation in contacting XXXX XXXX c. Supporting documentation from XXXX XXXX sent to Equifax regarding XXXX  dispute 13. XX/XX/XXXX : Equifax did NOT respond to XXXX request ; a. Instead Equifax sent a letter demanding Identification Documents ( AGAIN ) XXXX. XX/XX/XXXX : Equifax RECEIVED XXXX  letter explaining : a. Equifax already received acceptable ID from XXXX XXXX XXXX reminded Equifax they have received XXXX  these disputes and NOT responded per FCRA c. XXXX reminded Equifax and non-validated entries MUST BE REMOVED d. XXXX demanded these entries be removed as they were NOT validated. 
e. XXXX demanded to know WHO in XXXX XXXX validated the entries ; if they were validated XXXX. XX/XX/XXXX : Equifax did NOT respond to XXXX request ; a. Instead Equifax sent a letter demanding Identification Documents ( AGAIN ) XXXX. XX/XX/XXXX : Equifax sent XXXX report XXXX stating that : a. Equifax had confirmed these XXXX entries with 3rd party company XXXX XXXX 17. XX/XX/XXXX : XXXX sent a letter to the XXXX  XXXX  Court in XXXX XXXX asking : a. What are the procedures used to validate BK entries to outside parties b. XXXX received a response letter XX/XX/XXXX quoting the bankruptcy court does NOT share information with third parties or credit reporting agencies through digital means 18. XX/XX/XXXX : Equifax RECEIVED XXXX letter summarizing : a. XXXX re-iterated the numerous letters Equifax had received from XXXX b. The numerous demands by XXXX to validate or remove the XXXX  entries c. Numerous violations of the FCRA committed by Equifax d. Demanding removal of non-validated entries e. A copy of an updated credit report XXXX. XX/XX/XXXX : Equifax answered asking for identification documentation AGAIN 20. XX/XX/XXXX : Equifax RECEIVED XXXX  NOTICE pending litigation stating : a. Equifax has violated FCRA Section 611 ( a ) ( 7 ) ; i. NOT providing XXXX  with the confirmation documents from XXXX XXXX b. Equifax has violated FCRA Section 611 ( 5 ) ( A ) : i. NOT deleted items which have not been validated by the reporting entity c. Demanded that Equifax delete the unvalidated entries and send an accurate credit report before XX/XX/XXXX. 
21. NO REPONSE was received from EQUIFAX 22. XX/XX/XXXX : Equifax received a Demand for Payment from XXXX  Equifax did NOT reinvestigate XXXX  dispute in violation of FCRA 611 ( A ).

Equifax did NOT delete the item when they did not validate the entry in violation of FCRA 611 ( a ) ( 5 ) ( A ) ( i ) Equifax IGNORED XXXX  consumer inquiries or sent mis-information letters in response to his demands in violation of FCRA 611 ( a ) ( 4 )  Equifax did NOT provide any method of validation for XXXX  entries from a XXXX XXXX court when requested by XXXX  in violation of FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ) and FCRA 611 ( a ) ( 7 ). 
The XXXX XXXX XXXX court did NOT confirm they were contacted by Equifax and do NOT validate information to Equifax electronically. 
This non validated entries have caused XXXX to be DENIED credit by finance companies and when allowed to borrow caused higher than normal credit costs.

Company response to consumer: Closed with explanation