Consumer complaint received 2018-03-04
Company: EQUIFAX, INC.
State: NY
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:
Equifax is willfully negligently and recklessly reporting inaccurate data on my credit file and not conducting reasonable investigations causing me financial injury. They keep willfully reporting this negative information. 

An investigation needs to be done regarding XXXX abusive and reckless method of verification process. 

I am in the process of building a legal case for intentional, reckless, malicious and willful violations of the FCRA as well as defamation from Equifax, A copy of this dispute will be used as evidence if needed. 

The following information is being reported inaccurately, falsely and unfairly by Equifax. 

XXXX XXXX XXXX XXXX # XXXX ... 
XXXX XXXX XXXX XXXX # XXXX ... 
XXXX XXXX XXXX XXXX # XXXX ... 
XXXX XXXX XXXX XXXX # XXXX ... 
XXXX XXXX XXXX XXXX # XXXX ... 

I don't ever recall paying any of these accounts late/after the due date. 

Attached to this complaint, you will find Equifax 's admission to me of how they investigated my disputes. This method they use is faulty and enables a fraudulent account to be placed on my credit file and also enables inaccurate credit reporting. 

Equifax is causing me financial injury and negligent enablement of identity fraud. 

I am fearful to apply for new credit because of the anxiousness of thinking I will be denied resulting from Equifax 's inaccurate reporting. 

METHOD OF VERIFICATION I would like Equifax to provide me the name of the original creditor, the address and phone number of the original creditor, the person at Equifax who verified the dispute with XXXX XXXX XXXX XXXX at the time of the dispute request and the documentation that was used to verify the dispute at the time of the dispute request. If Equifax can not send me these simple items, then I demand the accounts be updated to PAID/NEVER LATE. 
I do not consent to XXXX as a means of reasonable investigation for my credit disputes. I need proven documentation, i.e. signed contracts, and/or dated signed cashed checks to show accuracy of the verification of my particular dispute. 

Equifax must prove they conducted a reasonable investigation for them verifying it at the time of the dispute request. XXXX can not hold in court as per the noted court cases. 

XXXX v Equifax XXXX v XXXX/Equifax XXXX v XXXX ( Equifax ) The Equifax data breach has shown me that I need to stay on top of the credit bureaus compliance to all Federal Laws regarding my credit file. This XXXX model of verification must stop because of the many fraudulent and inaccurate accounts it may create for consumer credit reports! 

At this time, Equifax does not need to falsely verify these accounts again. The only acceptable thing they need to do now is to update them to PAID/NEVER LATE immediately! 

I demand to see Equifax 's method of verification and the documents they relied upon to verify these accounts at the time of my dispute regarding these particular accounts as per the FCRA.

Company response to consumer: Closed with non-monetary relief