Consumer complaint received 2021-05-25
Company: EQUIFAX, INC.
State: MA
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:
To Whom It May Concern, This is in response to your response regarding my complaint filed on XX/XX/2021 ( Case # XXXX ). On XX/XX/2021, you responded that the complaint has been resolved and that the results were mailed to me. Your response appears to be a canned response due to the fact that the incorrect information is still appearing on my credit report. Currently, the Massachusetts Attorney General 's Office, Department of Consumer Affairs are involved and they also reached out to the data furnisher ( s ) and the data furnisher ( s ) has stated that they are not the party that is reporting the incorrect information that is being published on my credit report. 

At the request of the MA Attorney General 's Office, in order to get to the bottom of this issue, on XX/XX/2021, I sent a Method of Verification Letter to exercise my rights under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information and that this shall be provided by the agency, including the business name and address of any furnisher of information contacted in connections with such information and the telephone number of such furnisher, if reasonably available. '' In addition, FCRA 611 ( a ) ( 7 ) provides that " a consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by no later than 15 days after receiving the request from the consumer for that description. '' There were 11 letters mailed. All of which were sent via certified mail with a return receipt requested ( please see attached ). As of today, XX/XX/2021, I have not received a response, which is well beyond the 15 day FCRA requirement. 

On XX/XX/2021, I noted that Equifax is disputing these accounts again. I notified the MA Attorney General 's Office and XXXX from their office offered to contact Equifax on my behalf at XXXX to inquire about the status of my situation. However, the individual that she spoke with at your off-shore call center told her that they could not discuss the situation with her, but they promised that they would give me a call to discuss, but I did not receive a call from Equifax. On Friday, XX/XX/2021, XXXX called me to follow up and find out if I had heard from Equifax. When I let her know that I had not yet heard from them, she asked me to contact the Equifax Consumer Affairs Department in the U.S. to see if they would be able to assist with resolving this issue. I called Equifax on Friday, XX/XX/2021 at XXXX XXXX  at XXXX and was connected to an off-shore agent. This individual refused to transfer me to the U.S. Equifax Consumer Affairs Department upon my request stating that he would not do so because " I have no business in speaking with them. '' He instead kept telling me that I need to dispute the information. When I asked for a supervisor, he placed me on hold for 5 minutes and then hung up on me. 

At this point, when I pulled my credit this morning, XX/XX/2021, I noted that Equifax is now reporting the 10 accounts discharged in Bankruptcy as " open-derogatory '', with balances and some of the event dates are incorrect.

Company response to consumer: Closed with explanation