Consumer complaint received 2017-08-21
Company: EQUIFAX, INC.
State: FL
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:
This is regarding a currently reported Federal Tax Lien filed by Clerk of Circuit Court, XXXX County, XXXX, Florida. I submitted a direct dispute with Equifax on XX/XX/XXXX. They did not complete a proper verification or investigation and came back with a " verified and updated '' result. I submitted a complaint thru the CFPB ( case ID XXXX ) on XX/XX/XXXX - on XX/XX/XXXX the response was " we 're still working your issue '' ( generically speaking ). On XX/XX/XXXX i received a letter in the mail again stating " verified and updated ''. The dispute is -- - The updated XXXX guidelines specify that public records must now meet new standards when reporting information or the information must be deleted from the report. I have sent Equifax directly documentation from the court house supporting my reported lien does not meet the new standards of the XXXX and that it should be removed. It contains a name, address, no DOB and only 4 numbers of the SSN. The XXXX guideline states it should contain a DOB or Full SSN. I submitted disputes with XXXX and XXXX for the same XXXX changes and both of those companies investigated and then removed the item, however Equifax continues to run my dispute thru an electronic system ( per XXXX it was called 'XXXX ' ) and nobody is actually reviewing my dispute or the documentation supporting it. I 've sent them an official copy of the reported filing ( attached to this complaint as well ) from the courthouse that clearly shows it does not meet the new requirements. This is my 3rd attempt to get this resolved and Equifax continues to give me the run around and refers me to other companies ( XXXX and the courthouse -- both of which have confirmed the filing does not meet the new standards ). Their dispute letter stated " please contact the local court for questions '' -- the same courthouse that provided me the official copy that I gave to them. In addition I did confirm today that Equifax nor XXXX actually contacted the court to verify the filing. So not only are they stating " we verified it '', they are lying about it too. The court confirmed today that the last time anyone validated this old lien was XX/XX/XXXX. The XXXX guideline also specifies these items have to be 'validated ' every 90 days. Even with a dispute to Equifax directly and the CFPB they are failing to properly investigate, which would result in the removal of this lien. Please send this follow up complaint back to Equifax for ANOTHER dispute as they are not properly investigating or even reviewing the information I provided for the dispute, which also violates my rights under the Fair Credit Reporting Act laws in the process. Please have this investigated again. The attached file is a copy of the original dispute letter I sent to the Equifax, along with a copy of my FL DL and SSN verifying my identity, a copy of the official tax lien filing showing my record does not meet the current standards and a copy of the 'results page ' they sent to referring me to XXXX XXXX the XXXX County Court .

Company response to consumer: Closed with explanation