Consumer complaint received 2018-09-08
Company: EQUIFAX, INC.
State: AR
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:
In XX/XX/2018 I disputed an inaccurate Public record with EQUIFAX the account which is US Bankruptcy Court.  EQUIFAX investigated and it came back verified. In XX/XX/XXXX I sent in a certified letter to EQUIFAX for a Method OF Verification. This is my right to see and look over and see who verified the Public Record with the credit bureau and the court. I am hereby exercising my rights under the FCRA 611 ( a ) ( 7 ). To request a complete description of all methods used to investigate my aforementioned dispute. I have enclosed a copy of the letter that was sent to EQUIFAX via mail certified and the mail receipt that they received the letter, The letter dated XX/XX/2018 sent on XX/XX/2018 EQUIFAX received the letter ( METHOD OF VERFICATION ) on XX/XX/2018,,, i have copies of the delivery receipts On XX/XX/2018 i was notified that EQUIFAX completed their investigation with the Public Record US Bankruptcy. They failed to send me what I requested how they investigate it and complete the investigation and failed to send me the Methods of verification that I request, I am a consumer and I have rights to request the method verification. EQUIFAX have violated my rights and need to remove the Public Record from my credit, I am filing a small claims for the non-compliance and violation of the FCRA. This is not right ; they failed to send the proof that I am entitled to ... delete the public record from my file. I have all rights to see there method of verification, if they did a 100 % verification then I should have been allowed to see the names and address and phone number of the people that verified the account with the company. EQUIFAX violated laws and my rights and refused to send me what I Requested. Per the FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your company. Equifax received the certified METHOD OF VERFICATION Letter from me. They still refused to send me what I am entitled too ... this is not right,,, delete it please off my credit file,, is not right to violate my rights to what I am entitled to,,, I have enclosed the copy of the letter and the certified letter mail receipt and the delivery notification,, I Should have got the METHOD OF VERFICATION. I was entitled to see that information so they refused to send it. You are now asked to delete the account or I am entitled to damages from this company for the non-compliance I am taking this to court if not removed a.s.a.p. I have enclosed copies of my recent updated Credit report from Equifax dated XX/XX/2018 which shows they have completed the dispute on the US Bankruptcy. Equifax delete the inaccurate information my next step is filing a suit for the willful non-compliance. EQUIFAX WAS GIVEN TIME TO SEND MY METHOD OF VERFICATION AND REFUSED TO SEND,,, AGAINST THE LAW AND VIOLATION OF THE FCRA,

Company response to consumer: Closed with explanation