Consumer complaint received 2019-05-23
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/XXXX an inquiry and an account was added to my credit report. The inquiry was dated XX/XX/XXXX and the account was dated XX/XX/XXXX. The account is XXXX   XXXX. I contacted Equifax and because I am a victim of Id theft, I requested an investigation online immediately. I received a response 2 weeks later stating it was verified. I called and spoke with someone in the disputed department in XXXX after the results came in and they stated they would reinvestigate the item, advised me to contact the company and within 3 days I received another message saying it was complete and verified. I spoke with XXXX at XXXX XXXX on XX/XX/XXXX and asked for I formation on an account, I was asked my name and my social. I provided the information and was told an account with that information was not in their system. I told her that it was on my credit and that I was disputing the information and asked for the information they had and because of privacy she was not allowed to provide me with the information listed. I called I called Equifax, spoke with someone in their fraud department and requested an investigation and that the computer automated response was insufficient and I requested the following : 1. The description of the procedure used to determine the accuracy and completeness of the information. 
2. Name, address, and telephone number of each person contacted regarding this alleged account.

3. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
And that an automated response or XXXX verification was unacceptable. Due to the fact that the item in question is inaccurate and represents a very serious reporting error. 

I advised them that I was exercising 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 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. 

I received an email today stating my investigation was complete. I called and was told the same thing they received an automated response verified, by XXXX  XXXX. I asked to speak with a supervisor, to verify the method used and to advise that I had requested a re-investigation that was not computer message and XXXX, the supervisor advised me that the computer message verification system is the method utilized by Equifax. I specifically asked XXXX, to provide me with a yes or no, if Equifax would request proof, not an automated message from XXXX XXXX, showing my signature and social and he told me No. Equifax would not use any other method besides electronic messaging to the company and that I should contact the company even though I advised that my information doesnt match and the company would not give me any information! This is a violation my my rights! Ive contacted my attorney and I will sue Equifax, I am a victim of their data breach, my social was compromised! This information is inaccurate and theyre the only bureau not properly investigating the information! 

The other bureaus properly investigated and removed the items after contacting the company for PROOF and the social was NOT mine

Company response to consumer: Closed with explanation