Consumer complaint received 2019-03-22
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: Their investigation did not fix an error on your report

Complaint:
I keep getting fraudulent accounts opened, from previous accounts that were already deleted and removed from my report. You have been supplied with multiple official documents form the FTA, FCRA, police department, IC3, State Attorney Generals, and the CFPB. Those documents are in your system, and it has been confirmed, through many employees. Information on my account, even after you had the evidence and you continued to post knowingly fraudulent information. I've asked for copies of original contract with my signature, payment history, and all documents. As well, as a written statement of how you verified the validity of the debts. The creditors can't supply me with any information, as well as your supposed investigation team, that doesn't investigate. They can't give me any documents because they don't exist. Remove, delete, and block those accounts. I've given several 30-day notices and now I'm only giving 5 days because you have supplied inaccurate information to companies requesting my credit report. You also lied to the CFPB, stating all the accounts in question were deleted, and they never were. I'm now seeking civil and punitive damages, pain and suffering, and all the high interest rates I've paid over the years due to your inaccurate/fraudulent information, and not following procedures, protocal, and regulations when dealing with a consumer, that is a victim of identity theft. You refused to block the accounts, as procedures stated by the FTC, FCRA, and other government departments, when your made aware the account is identity theft, and fraud. None of this was done. The remaining accounts you stated that was removed off my report as well as the other fraudulent accounts on my phone well as And you verified that the accounts were removed, along with others. report still remain. The accounts you did not remove are still showing up, and you continue to report inaccurate information, but lied to a Federal Agency and to myself. " Equifax response dated XX/XX/XXXX states, The Results of Our Reinvestigation : We have reviewed your concerns and our conclusions are : The disputed inquiries XXXX  dated XX/XX/XXXX, XXXX XXXX dated XX/XX/XXXX, XXXX XXXX dated XX/XX/XXXX XXXX XXXX XXXX dated XX/XX/XXXX are currently not reporting on the Equifax credit file. The additional disputed items are currently not reporting on the Equifax credit file. 

If you claim you deleted them all, more than half are still on my report, therefore you lied, and I have a paper trail, to prove it. My report listed all these accounts on the last 3, so in no way can you say, the accounts disputed were removed, and all others were removed, deleted and block. 
These accounts with be removed immediately, and blocked from my account, so it can't be sold to another company, trying to extort money from me, from fraudulent accounts posted over and over. 5 day delete, remove, and block, from the previous disputes, you lied about they were removed from my account, as they are listed below. 

XXXX XXXX XXXX XXXX - {$17000.00} XXXX- {$13000.00} US and US Dept of Education- XX/XX/XXXX {$7900.00} US Dept of Education- XX/XX/XXXX {$3600.00} US Dept of Education- XX/XX/XXXX {$3300.00} US Dept of Education- XX/XX/XXXX {$2300.00} US Dept of Education-12/20/2001 {$2200.00} FTC reports l : XXXX, XXXX , XXXX XXXX : cybercrime fraud XXXX XXXX XX/XX/XXXX cybercrime fraud Police reports fraud! Identity : XXXX XXXX, XXXX XXXX, XXXX XXXX : XXXX 33 variants of XXXX , XXXX XXXX, XXXX/XXXX/XXXX 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$13000.00} XXXX XX/XX/XXXX {$17000.00} All the XXXX XXXX claims are directly from XXXX, XXXX XXXX, and XXXX. Which were already researched and found fraudulent accounts and all 33 variations were deleted. Now you let another company, buy a fraudulent account, that was deleted, removed, but not block, as per FTC advisement. From the same report supplied by police report, FTC, FCA, State Attorney General, and now the CFPB. 

After you lied to myself and the CFPB, Attorney General, FTC, FCRA, and the legal team. You need to rectify your wrong, and stop stating that your sending me letters, removing fraudulent accounts, and post information you know are from identity theft. I have never received a letter or any response from your company. 

Equifax states : Thank you for submitting your complaint XX/XX/XXXX, through the CFPB Complaint Portal. In your complaint, you indicated there were items appearing on your credit report inaccurately reporting. The Results of Our Reinvestigation : We have reviewed your concerns and our conclusions are currently not reporting on the Equifax credit file. The additional disputed items are currently not reporting on the Equifax credit file. 


Only removed accounts were : XXXX, XXXX XXXX, XXXX, XXXX, XXXX   XXXX, and XXXX. And I played a big role in getting those accounts removed. You never researched, or done anything else for that part. 

Violation of FCRA Section 623 ( a ) ( 6 ) if a furnisher learns that it has furnished inaccurate information that a consumer has identified as theft/fraud. CRAs are to inform other bureaus of inaccurate information and those bureaus are only to report the accurate, and complete information. XXXX and XXXX are now in compliance as all negative information was removed from my account. I suggest you contact them as well, so your information is updated immediately. Section 623 ( a ) ( 2 ) Section 605B debt from identity theft/fraud are not to signed contracts, applications, etc. written, original documents ) in ( 5 ) days, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I am writing to dispute the accounts referenced above. I have disputed this account information as inaccurate with ( credit bureau ), and they have come back to me and stated they were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself andve been unable to get them to verify that this is indeed my debt. 
I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letter certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation