Consumer complaint received 2021-10-06
Company: EQUIFAX, INC.
State: VA
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: Investigation took more than 30 days

Complaint:
Do not send me anything back telling me you can not locate my credit file, in an attempt to stall even longer than the 60 days you have taken to not respond to me, and that this is not me making this complaint and the many made before this. I know you think normal consumers do not know the law, but you are sadly mistaken. You have been given everything you need to identify me, my credit file and credit report, and the disputed account I have requested many disputes for. Your credit reporting is inaccurate according to 15 U.S Code 1681. You are in violation of the Fair Credit Reporting Act for inaccurate and unfair credit reporting methods. You are reporting and furnishing inaccurate information in my credit file from a XXXX  XXXX XXXX account. You are furnishing inaccurate and unfair information on my credit file, and according to 15 U.S Code 1681n and 15 U.S Code 1681o, you are engaging in willful and negligent noncompliance, and that is basis for actual and punitive damages, along with attorney fees. You are knowingly furnishing information with knowledge that it is inaccurate. I will be seeking damages of no less than {$1000.00} per violation and for the emotional distress you have put me and my family through with your inaccurate credit reporting methods. 

I have disputed many times with Equifax about this account and I have saved all communications going back almost 24 months to present in federal or state court if I have to. They took longer than 30 days to respond and they have also not done an investigation. E-Oscar or any other form of electronic investigation is unacceptable. I have requested everything in my file according to 15 U.S. Code 1681g and no original contract has been provided to me as XXXX  XXXX XXXX has admitted, they do not have a contract or anything that legally ties me to this XXXX  XXXX XXXX account, so I am not sure how this information keeps coming back as verified and I am not sure how Equifax is doing a reasonable investigation and have not come up with this finding. 

I have asked for a " description of the procedure used to determine the accuracy and completeness of the information ... '', as stated in 15 U.S. Code 1681i, but Equifax has knowingly and willfully decided to violate the law and not provide me with this information, especially in the 15 days stated in the Fair Credit Reporting Act. 

It appears Equifax has taken it upon themselves to re-age the XXXX  XXXX XXXX account information in my credit file, in addition to violating my privacy and consumer rights as it pertains to this XXXX  XXXX XXXX account. This is in addition to information that Equifax decided to " update '' and change on its own with no prior notice. 

Equifax has been given plenty of documentation that warrants the deletion of this XXXX  XXXX XXXX account from my credit file.

Company response to consumer: Closed with explanation