Consumer complaint received 2018-09-21
Company: EQUIFAX, INC.
State: FL
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:
I previously filed a complaint on Equifax because they took well over 30 days to get back with me with a 3rd round of dispute results. They are required under the FCRA to immediately delete the disputed items after taking over the required time to get back with consumers. Thus, my complaint 's desired fair resolution was to have the items deleted, especially because IT IS LAW. I explicitly stated : " I am seeking deletion of the items that I last disputed with Equifax. A fair resolution to this issue is for Equifax to delete the disputed items as required under the FCRA and FDCPA, considering they have not responded in the required timely manner to my disputes. In addition, due to the system glitches they informed me of via phone. I am providing my phone number on this complaint so that they can possibly look up any calls made. Nevertheless, they should already be aware of the glitches they faced weeks ago. What is basically fair is for Equifax to abide by the law -- the FCRA and FDCPA -- and delete those disputed accounts. Aside from the issue of time, they haven't even validated or verified these disputed accounts. I have done my best to do my due diligence and pursue due process, but their negligence has disrupted this process. '' Nowhere did I allow for them to get away with doing another pretend round of investigation, partly because they are NOT allowed to. ( Another complaint issue aside from reporting practices are their communication tactics, such as what I am describing ). They are once again in violation of the FCRA, and I demand that the disputed items be removed. Oh, and to add another violation to that major one -- to top things off -- in their new pretend investigation, they once again did not provide a shred of proof to me, the consumer, verifying & validating these accounts! Once again, just another bunch of " verified '' claims without providing documentation! The law states under FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) that original consumer documentation is required to consumers, particularly upon their request. Furthermore, you have also failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. What gives Equifax the right to house my personal information and consumer credit information on me if they themselves have not seen let alone provided to me a shred of proof?! I am prepared to sue for damages. They are NOT supposed to report information that THEY DO NOT EVEN HAVE PROOF OF AND ARE JUST TAKING COMPANIES ' WORDS FOR THAT THEY'RE SUPPOSEDLY 'VERIFIED ' AND 'VALID '. I am absolutely disgusted at this and DEMAND that these disputed accounts be immediately deleted.

Company response to consumer: Closed with non-monetary relief