Consumer complaint received 2018-04-05
Company: EQUIFAX, INC.
State: MI
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: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX, Equifax received my Method of Verification letter. Today, on XX/XX/XXXX, I received a canned response on how they go about verifying accounts that they list. I did not ask for a canned response, I asked for detailed information that they received during their dispute process. I asked for hard copies of all the communication that took place for the two items that were disputed under Dispute Confirmation # XXXX. Those accounts are as follows : 1. XXXX XXXX 2. XXXX XXXX XXXX They failed to provide me with the communications and evidence that they used to verify these accounts as I requested per my rights under the under FCRA 611. 

Today ( XX/XX/XXXX ) I called Equifax to see about getting them to send the information I requested that they did not send, and they refused. I called at XXXX XXXX  and I was on the phone for 47 minutes and 15 seconds. I spoke with one lady, and then asked to be transferred to her supervisor. The woman supervisor I was transferred to said all they could do was send me the results of the investigation, but refused to send me the method of verification/ detailed copies of the communications used to get the result they got for the dispute. She said she was unable to send me that information nor could she delete it. Under my rights, if they can not furnish that information, they MUST delete those items. Not doing so is a violation of my rights under FCRA. 

According to the law, it is my right to receive proof of the verification, and if that proof is missing, to have the inaccurate entry deleted. If the debt validation is absent or unsatisfactory, I can dispute it again or file suit in court. 

The letter they sent me did not tell me any information about my personal dispute. It did not tell me who they contacted, nor did they send me the proof or copies of the people they contacted during the investigation. 

When I call, they refuse to send me any information they received during the dispute investigations, and they refuse to delete. My rights say they can't refuse both. They either have to furnish me with that information or they have to delete it. 

This has been a headache for almost 2 months. Sending letters, and making call after call after call, and now, multiple disputes. Now I am incurring fees to mail my letters by certified return receipt mail so that I have my proof documented. I have wasted countless hours of my time and energy and a lot of headaches trying to deal with this. If they can not show hard documented proof that they contacted a human during the investigation of my dispute, they need to delete both of the mentioned tradelines.

If they still refuse to offer proof of the method of verification, or details about it, I will be forced to sue them for non-compliance under section 616 of the FCRA.

I do not want to have to waste more time going this route, but I will gladly resort to that if all else fails. I refuse to give up and continue to allow them to disregard my rights and the law.

Company response to consumer: Closed with explanation