Consumer complaint received 2023-04-09
Company: EQUIFAX, INC.
State: TX
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:
Equifax has responded that the accounts in question have come in VERIFIED. They need to follow an E-OSCAR method of validation. Then it goes through a Metro2 code. That code is generated and sent to the creditor or debt collector. The letter goes to the credit beaurues, E-OSCAR, then the creditor or debt collector. ACDV ( Automated Credit Disputed Verified ). The credit or debt collector must respond to the letter. It is saying that it is VERIFIED or updated. 

My certified letter # XXXX was sent XX/XX/2023. The certified letter was accepted by Equifax regarding the dispute. It takes 30 days to process the information and respond. They have responded that the accounts are indeed VERIFIED. That means that they have manually checked the account information as valid and there are NO discrepencies in the reporting on my report. That means it is 100 % accurate. 

The accounts in question are : XXXX. ) XXXX : XXXX XXXX  XXXX XXXX  XXXX XXXX {$610.00} ; XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$610.00} ; XXXX. ) XXXX XXXX XXXX  {$2800.00} ( balance ) ; XXXX ) XXXX XXXX XXXX  {$1700.00} ; XXXX. ) XXXX XXXX {$1200.00} ; XXXX. ) XXXX XXXX {$770.00} ; XXXX. ) XXXX XXXX XXXX XXXX {$300.00} ; XXXX. ) XXXX XXXX XXXX {$16000.00} ; XXXX. ) XXXX XXXX. 

It must I have proof that the investigation was not accurate. In Equifax 's investigation, they have claimed that the accounts are VERIFIED and belong to me. That means that they have reviewed ALL of my information and are claiming that it is mine. According to the law, they are in violation of FCRA. The addresses on my credit report do NOT match up with the accounts in question. The accounts that I am disputing also are NOT reporting correct accounts, dates opened, last reported, and type of reporting. Legally, the accounts MUST be deleted. 

Equifax has been posting false information in there data breach settlement ( attached ). They have been publishing false information about consumers which has led them to be sued by customers such as myself. If they accounts are NOT deleted from my credit report, I will be suing Equifax for violating the FCRA rules and regulations of publishing false information about consumers reporting information. This makes sense as they are doing it to me. This will be my last dispute before litigation against Equifax. 

I have attached a copy of my current credit report highlighting the inaccuracies of the above forementioned accounts that MUST be deleted off my credit report. If they are NOT then I will be suing Equifax. I have also attached the data breach settlement from Equifax and there lawsuit. I have attached FCRA rules and regulations that Equifax and the other credit bureaus MUST follow and they are clearly violating. I have also attached a copy of my driver 's license which shows that the information that is reporting is in VIOLATION.

Company response to consumer: Closed with explanation