Consumer complaint received 2017-08-10
Company: EQUIFAX, INC.
State: AL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
ON THURSDAY X/XX/2017 I RECEIVED A DISPUTE RESULTS LETTER IN THE MAIL FROM EQUIFAX. I CONTACTED THE COMPANY BECAUSE OF THE CONFUSION THAT THEY HAD ON THE PAPER IT LISTED TWO ACCOUNTS WITH THE SAME ACCOUNT NUMBER ONE OF THE WAS DELETED BUT THE OTHER WAS NOT. I ALSO HAD TO HAVE A CONVERSATION WITH A REP BY THE NAME OF XXXX, A SUPERVISOR BY THE NAME OF XXXX AND A REP FROM THE " OFFICE OF CONSUMER AFFAIRS '' NAMED XXXX. I BEGAN TO ASK ABOUT THE VERIFICATIO PROCESS OF DISPUTES AND THIS IS WHAT I WAS TOLD. " THAT INFORMATION IS SENT ELECTRONCALLY AND WHATEVER THE CREDITOR SAYS THEY PUT T ON THE CREDIT REPORT '' I BEGAN TO ASK XXXX " SO EVEN IF THE ACCOUNT IF FRAUDULENT AND THAT CREDITOR SAYS ADD IT TO THEIR ACCOUNT YOU ALL JUST DO IT '' HER RESPONSE WAS YES!! SO I ASKED HER TO PLEASE TRANSFER ME TO A SUPERVISOR BECAUSE THIS INFORMATION COULD NOT BE RIGHT. WELL XXXX THE SUPERVISOR CONFIRMED THIS TO BE TRUE. THE DIFFERENCE S THAT XXXX WAS VERY APOLOGETIC AS IF SHE KNEW THAT WHAT THEY WERE DOING WAS WRONG BUT THAT SHE WAS JUST FOLLOWING THE RULES SET BEFORE THEM. THIS LADY KEPT APOLOGIZING TO ME. I FELT SORRY FOR HER SO I HUNG UP WITH HER AND CALLED BACK AND ASKED TO BE TRANSFERRED TO THE OFFICE OF CONSUMER AFFAIRS AND I WAS AND I SPOKE TO A GUY NAMED XXXX. HIS REPSONSE WAS " IT WILL VERIFY AS ACCURATE EVEN IF IT IS NOT ACCURATE '' THIS IS DISTURBING. FAST FORWARD TO ME HAVING TO CALL THEM AGAIN AND I GAVE THE REP MY CONFIRMATION NUMBER AND SHE LOOKED UP THE INFORMATION AND I ASKED HER IF A CERTAIN ACCOUNT WAS DELETED BECAUSE ACCORDING TO THE ACCOUNT NUMBERS IT SHOULD HAVE BEEN DELETED SO SHEWAS SNAPPY AND I ASKED HER TO TRANSFER ME TO HER SUPERVISOR AND SHE JUST LEFT ME ON HOLD. SO I CALLED BACK AND ASKED TO BE TRANSFERRED TO THE OFFICE OF CONSUMER AFFAIRS AND A GUY NAMED XXXX ANSWERED. I BEGAN TO TELL HIM HOW XXXX XXXX XXXX  SHOULD NOT STILL BE LISTED ON MY ACCOUNT BECAUSE THEY SENT OUT THE INFORMATION TO ME AND THEM TELLING ME THAT THEY HAD SENT THE CREDIT BUREAUS THE INFORMATIO TO DELETE THE FRAUDULENT ACCOUNT. SO I ASKED HIM ABOUT ANOTHER ACCOUNT THAT THEY SAY THEY " RESEARCHED AND SAID WAS MINE AND I ASKED HM WHAT WAS THE PROCESS AND HE TOLD ME THAT HE COULD NOT DISCLOSE THAT INFORMATION TO ME!!! NOW ON THE LETTER THAT EQUIFAX SENT ME IT SAYS THAT IF I REQUEST I WILL BE TOLD THE PROCEDURE OF VERIFICATION BUT CAL DENIED IT ALSO IT SAYS IN THE FCRA THAT I HAVE A RIGHT TO ASK AND RECEIVE NFORMATION ABOUT THE VERIFICATION METHOD. EQUIFAX HAS CONTINUED TO DENY MY RIGHTS AS WELL AS BREAK THE LAWS OF THE FCRA. I AM CONSIDERING MY LEGAL RIGHTS AT THIS TIME BECAUSE THINGS ARE NOT LINING UP AND SURELY NO AMOUNT OF MONEY IS WORTH EQUIFAX GOING AGAINST WHAT THE FCRA LAWS SAY. I WILL NOT CONTACT THIS COMPANY AGAIN BECAUSE I AM TIRED OF HEARING ALL OF THE THINGS THAT THEY ARE NOT DOING. THIS HAS GONE TO FAR. FCRA 611 GIVES ME THE RIGHT TO ASK AND KNOW ABOUT THE VERIFICATION. AND THE ONLY REASON I CAN THINK THAT THEY WILL NOT GIVE ME SUCH INFORMATION IS BECAUSE THEY REALLY DO NOT DO AN INVESTIGATION.

Company response to consumer: Closed with explanation