Consumer complaint received 2020-07-06
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: Investigation took more than 30 days

Complaint:
Equifax has yet to update me on disputes filed XX/XX/XXXX, it's been well over 30 days with no response from Equifax. I've sent in documentation to prove my identity and to prove the accounts do not belong to me. I have a fraud alert on my credit file stating do not extend credit without contacting me by phone. I received a fraudulent inquiry XX/XX/XXXX and have no knowledge of said account it needs to be deleted immediately. I have no contracts with any of the said companies listed below and never have. I informed Equifax that two on the accounts are 7 years old and they refuse to remove said accounts : XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. I sent documentation for the XXXX account it includes someone else 's name that's not me, ID, social security number, and address. These two accounts needs to be removed immediately and indefinitely and not return on my credit file. Equifax has yet to send any contracts, or documents as requested showing validation of said accounts, as I stated above they are 7 years old and I've been disputed for years with no results. Equifax is reporting the Original creditor and the collection agency for the XXXX account. Neither the collection agency or original creditor own the account due to being shut down by the State attorney general and being sued, there's a {$550.00} million class action against XXXX for being a predatory auto lending company ( subprime lender ) for breaching their own contracts for charging improper fees and violating the FAIR DEBT COLLECTION PRACTICES ACT and the TELEPHONE CONSUMER PROTECTION ACT ( TCPA ). Based on the multistate investigation, the coalition alleges that XXXX, through its use of sophisticated credit scoring models to forecast default risk, knew that certain segments of its population were predicted to have a high likelihood of default. XXXX engaged in deceptive servicing practices and actively misled consumers about their rights, and risks of partial payments and loan extensions. ( XXXX for more info ). I have no contract with XXXX they do not own said account it was purchased by another collection agency XX/XX/XXXX and XXXX is still reporting to the credit bureau. XXXX didn't purchase the collection account they are trying to collect on a 7 year old account. I don't have a contract with this collection agency. The original creditor is XXXX and they are being sued, XXXX charged off the account and filed it as a loss on their taxes. The contract XXXX has is null and void and 7 years old. Equifax has all the documentation from me in regards to this fraudulent account and refuse to delete. XXXX also has complaints and lawsuits. XXXX is 7 years old XX/XX/XXXX and needs to be removed immediately and indefinitely from my credit file. Equifax has yet to validate said account with a contract and/or documentation. Equifax has yet to validate XXXX, XXXX XXXX, or XXXX. XXXX sent a medical bill with a name that's not mine, I need signed contracts mailed to my home address not bills. Bills don't prove anything. Below are all the accounts that needs to be deleted indefinitely and not replaced on my report, XXXX, XXXX, XXXX, XXXX, and XXXX were deleted off my profile due to no validation and in XXXX Equifax replaced the accounts back on my credit file in XXXX without any notification, by law they are to inform me of reinsertion of said items within 5-7 days before the place items back. All of the items listed below are duplicates and should be removed and not added according to FCRA. Items 7 years old can't be reinserted that's called re-aging and that's ILLEGAL. Under the Fair Credit Reporting Act ( FCRA ), the federal statute that was enacted to promote accuracy, fairness, and privacy of consumer information contained in the files of the credit reporting agencies, there are very specific procedures that a credit reporting agency must follow before reinserting negative information that had previously been removed from your credit file following a dispute. Specifically, the FCRA states that your information may not be reinserted on your credit file by the credit reporting agency unless the furnisher of the information certified that the information is, in fact, true and accurate. Furthermore, the consumer reporting agency is required to send the consumer written notification within five business days that the information has been reinserted and provide contact information for the company that furnished the information. In other words, if you successfully disputed and had a delinquent account on your credit report removed, the credit reporting agency could only put the account back on your report if it received information from the company that the account was accurate and if it provided you with notice that the account was placed back on your report. The credit reporting agency is required to maintain reasonable procedures to prevent the reappearance of a previously deleted account on your credit report. But unfortunately for many consumers, this is not always the case. One common situation when accounts often can reappear on your report is after a debt is sold. When a consumer accumulates debt and the original creditor tries to unsuccessfully collect on it, the debt is often times sold to a third party. After being sold to the third party, or debt collector, the account can be reinserted on your credit report with a different name as a new collection account. While this practice is in violation of the FCRA, consumers need to be aware of this practice and must notify the credit reporting agency immediately of the reinsertion. Just because the debt was sold to a new agency does not mean that it can be reported again as a new collection account, if you had it previously removed from your report. Equifax is in VIOLATION!!!!!  DELETE ALL ACCOUNTS IMMEDIATELY I HAVE DOCUMENTATION SHOWING DELETIONS. 
XXXX : Account # XXXX Balance : {$960.00} Unverified Account XXXX XXXX : Account # XXXX Balance : {$2100.00} Unverified Account XXXX XXXX  : Account # XXXX Balance : {$1400.00} Unverified Account XXXX Credit : Account # XXXX Balance : {$730.00} Unverified Account XXXX : Account : # XXXX Balance : {$11000.00} Unverified Account Removed all Inquiries : XXXX XXXX Unverified Inquiry

Company response to consumer: Closed with explanation