Consumer complaint received 2022-02-25
Company: EQUIFAX, INC.
State: GA
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 am submitting this complaint FULLY disappointed with Equifax. I have submitted now three complaints about the mishandling of an account that is on my credit report. As I previously stated Equifax did not follow the FCRA guidelines in the dispute process nor in the process for furnishers adding items to your credit report. I sent several letters to Equifax regarding account with XXXX XXXXj ( Original Creditor : XXXX XXXX XXXX XXXX ) account number XXXX. I first let Equifax know that I never had an account with them. Equifax said that they verified the information. I sent another letter asking Equifax to re-investigate my claim. They sent me a letter stating that they reinvestigated and verified the information with XXXX XXXX. I then sent another letter to Equifax asking them to show me the process they used to verify this information and who at XXXX XXXX they spoke with to reach the conclusion that the information is verified, what documentation they received showing them that I was legally liable for this account, instead of showing me the information I requested Equifax sent me letters saying that the information was verified and other details to the account were UPDATED. It wasnt until I submitted a complaint in the CFPB complaining, Equifax was saying that the account was past due and placed for collection on the same date, that Equifax took the time to get information regarding accounts on my credit report. It was after 90 days that Equifax even acknowledged that there was a XXXX date of delinquency and that I was not nor ever made payments to XXXX even though my balance was changing since this account was added in XX/XX/2020. As a consumer I have the right to a credit report that is 100 % accurate. What is even more disappointing is that EVERY LETTER and EVERY RESPONSE that Equifax has given me regarding this account has all been UNTRUE AND INACCURATE. I called XXXX XXXX myself and asked them about this account they told me that they dont know whats going on with the account and that they have never seen anything like this and gave me a different number for a different company and when I called them, they also gave me a different number and a different company. I then, at the same time I asked Equifax to verify my account, sent a CERTIFIED LETTER with a return receipt to XXXX. According to the letter I received and will be attaching with this complaint from XXXX they also reached out to the supposed original creditor, XXXX XXXX, and : the creditor has NOT provided validation ... XXXX XXXX XXXX has submitted a record of deletion to the Bureau. This is evidence that Equifax has not verified the account with XXXX nor with the original creditor. Instead, they didnt do their job and continued to allow an inaccurate account on my report. I expect this account to be deleted IMMDEIATLEY!

Company response to consumer: Closed with explanation