Consumer complaint received 2021-04-11
Company: EQUIFAX, INC.
State: OR
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: Was not notified of investigation status or results

Complaint:
I have included a copy of my driver 's license and piece of mail for proof of mailing address and proof of identity. I have sent several letters to XXXX, Equifax and XXXX  with no reply and no indication that an investigation has begun. My credit report does not show that any status of " client dispute '' which can only lead me to believe that my requests for investigation are being completely ignored which is a violation of my rights according to the Fair Credit Reporting Act. I have requested validation of the following accounts. Because these items were not investigated within 30 days, they should immediately be deleted from my credit report as one can only assume they were unable to validate the accounts. 
The following letters I sent had my attached driver 's license and proof of address were completely ignored. I have included copies of these letters for your reference. The letters were sent on the following dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX This is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

Please refer to my previous letter for the information that needs to be re-investigated. I demand that the following account be verified or removed immediately : 1. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 

2. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 

3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

4. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

5. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 

6. Validate Account 12 XXXX XXXX XXXX MASTERCARD Account Number : XXXX Please investigate and delete from my credit report. 

7. Validate Account 12 XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

8. Validate Account 12 XXXX  XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

9. Validate Account 12 XXXX  XXXX XXXX  XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

10. Validate Account Chapter XXXX Bankruptcy Case Number : XXXX Please investigate and delete from my credit report. 

11. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

12. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

13. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

14. Please remove this account for non compliance XXXX XXXX Account Number : XXXX You are currently showing a date of last payment of XX/XX/XXXX. However, XXXX  is showing a date of last payment of XX/XX/XXXX. How can the bureaus show different information? How did you verity this information as accurate? According to the Fair Credit Reporting Act, I am entitled accurate and correct information on my credit report. Please immediately remove this account from my credit report for non compliance.

Company response to consumer: Closed with explanation