Consumer complaint received 2021-03-27
Company: EQUIFAX, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
Since XX/XX/2020 i have been reaching out to Equifax about their incorrect reporting on my behalf. 

To begin with my personal information section is incorrect. My employment, phone number, address, and alias are all incorrect. I asked Equifax to remove all alias 's and update my phone number and employer because the information they are reporting is incorrect, i have not seen anything change. It's been six months.

The investigation results i receive back from Equifax are always " verified '' as accurate. None of the requested information to deem these accounts as " accurate have been provided '' This is against the FCRA sec 314. 

Equifax is using my personal information section to verify these accounts, when it's inaccurate therefore all the investigations conducted are inaccurate and these accounts must be removed by law. 

Equifax violated TILA by reporting the improper disclosure of the amount financed, finance charge, payment schedule, total of payments, annual percentage rate, and security interest disclosures.

Equifax violated the FCPDA attempting to collect more than what is owed. In addition Equifax is threatening a lawsuit with one of the accounts when I have no intent to sue. 

Equifax violated the FDIC by not reporting accurate information on my credit report. 


How does Equifax get away with this type of behavior. I have certified to Equifax that these accounts do not belong to me. 

It has now been over six months, still same answers from Equifax. 
To be fair I did receive account statements from XXXX XXXX, but the statements had a different family members name on them. Also account statements are not legal proof of verification so you failed there. In addition, the statements had amounts on them with accumulated interest which is against TILA. 

I have been denied a home loan because of your failure to comply with the law and delete anything that is not 100 % accurate or verifiable. 

Who is verifying this information? I don't get it how can i go back and fourth for six months and nothing has happened. We are in a standstill. 

I don't want to wait 30 more days, i have waited six months. There is nothing to investigate if the information does not match why are you reporting it?

I have copies of over 30 dispute results from Equifax showing " updated '' " verified as accurate '' without having anything to show for. How does this happen? 

I just don't understand who is running this nonsense? How has this been going on for six months and you have not followed the law? 

Everything used during the dispute process and complaint process will be used against Equifax in the XXXX XXXX court if you fail to remove the incorrect, inaccurate, unverified information from my report this instance. This has gone on for way too long and it's time to take this to the next step.

Company response to consumer: Closed with explanation