Consumer complaint received 2019-10-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear CFPB Staff, Equifax has committed multiple violations of THE FAIR CREDIT REPORTING ACT ( FCRA ) [ 15 U.S.C. 1681 ]. 

This is concerning the fraudulent account on my Equifax Credit Report " XXXX Personal MA ''. 

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] of their Fair Credit Reporting Act states : " ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; " This was requested in writing by myself from Equifax on XX/XX/2019. Equifax refused to comply. 



611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] of their Fair Credit Reporting Act states : " ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. " Equifax themselves have not performed a reasonable investigation into the matter. 



611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] of their Fair Credit Reporting Act states : ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Today XX/XX/2019 I had a 52 minute call with Equifax 's fraud department phone support starting at XXXX eastern time. During this extremely long call I spoke with a standard Equifax representative, his supervisor, and a manger who who claimed his name was XXXX. 

During this long call both Equifax 's supervisor and Equfiax 's manager clearly stated on their recorded line that Equifax can not remove anything from Equifax Credit Reports and that only the reporting companies can do so. One even clearly stating that it is Impossible for Equifax to do so. 

Equifax has clearly stated that they are unable to comply with THE FAIR CREDIT REPORTING ACT ( FCRA ) [ 15 U.S.C. 1681 ].

Company response to consumer: Closed with explanation