Consumer complaint received 2018-03-29
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: Their investigation did not fix an error on your report

Complaint:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have 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 on only 100 % accurate credit information. 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 you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
In a letter back in my first dispute, I requested PHYSICAL VERIFICATION OF PROOF THE CREDITOR USED TO VERIFY THIS ACCOUNT IS ACCURATE. As of this date and two disputes later, I have not received anything from your credit bureau, but I did contact you a couple of weeks ago and spoke to a XXXX and I was told by XXXX that when investigating disputes, everything is sent electronically including the Creditors response ; which in my case the Creditor listed didnt send any documents to verify that this account was accurate. 
I requested why I didnt receive documents that the Creditor sent to the XXXX XXXX ; I was told there wasnt any documents sent, the Creditor just responded that the information reported is correct without having to provide any documentation to support the claim. I received a response back from you stating that the consumer stated that the information in the credit file has been VERIFIED AS ACCURATE AND UPDATED. 
My next step is to contact the Federal Trade Commission, the local news, XXXX to get the answers I deserve as a consumer. 
I am supposed to be protected through the Fair Debt Collection Practices Act. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this debt and if they can not verify then the item must be deleted from the report as soon as possible : Flagship Credit Acceptance : The First Date reported was updated to XX/XX/XXXX which is incorrect. The dispute with the Credit Bureaus was still ongoing. I would like the date corrected.I would like all information XXXX has submitted to the Credit Bureau verified due to the incorrect data. ( See letter from XXXX dated XX/XX/XXXX ) The vehicle in question was sold on XX/XX/XXXX in the amount of {$12000.00}. Why is XXXX still updating my account as of this date in the amount of {$13000.00} not {$8000.00}. 

XXXX : On XX/XX/XXXX. This Collection Agency sent a letter to all three credit bureaus advising them to remove this collection from my credit file. As of this date, XXXX and Equifax has not removed this account. I would like this account removed from my credit reports. 

Names on Credit Profile. Each credit bureau was notified that the alias names listed on my credit profile is not correct. I have never applied or used any of those names other than the following. Any other name is false and I would like my credit report updated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Numbers : I am showing two other social security numbers listed on my credit report last four digits of XXXX and XXXX Please remove these numbers, I am getting a lot of scam calls and this is why.

Company response to consumer: Closed with explanation