Consumer complaint received 2021-01-29
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: Was not notified of investigation status or results

Complaint:
I reached out to the credit bureau 's to dispute accounts fraudulently opened in my name. I initially reached out on XX/XX/XXXX to XXXX, Equifax, and XXXX  in which I received a response AFTER 30 days which is a violation of the FCRA which calls for automatic deletion of the accounts disputed in accordance with the Fair Credit Reporting Act ( " FCRA '' ), Title 15 U.S.C. 1681i stating, a credit reporting agency is required to complete a reinvestigation within 30 days of receipt of a consumers original request and if it can not be verified it shall be deleted from a consumers credit report. Another violation committed was in accordance with the FCRA Section 605b that states a credit reporting agency must block any information in relation to identity theft within 4 business days of receiving my dispute in which they did not. It actually subsequently resulted in the fraudulent items remaining on my credit report even though I filed an FTC report and a NOTARIZED Identity Theft Affidavit. If you aren't familiar already when you sign an affidavit, you are asserting that the information is true and that you have personal knowledge of the facts contained in the affidavit, and it is only valid when made voluntarily, without coercion, and signed by an agent authorized under Section 139 of the Code of Civil Procedure 1908 in which my affidavit was signed correctly and accordance with the law. An affidavit is pivotal in law due to the fact that nothing ( in-law ) has the power to cancel/override an affidavit except another affidavit that has rebutted the first, point for point. Any rebuttal must be for the whole and complete affidavit and not partially. This makes my affidavit legally binding under oath in which the credit reporting agencies must fulfill their legal obligation to treat it as such and remove the items I have identified as fraudulent in relation to identity theft immediately. On XX/XX/XXXX I sent XXXX  another letter by certified mail tracking # XXXX and XXXX  and Equifax on XX/XX/XXXX also by certified mail tracking numbers # XXXX and # XXXX subsequently. In response to the items being considered verified, I demanded except XXXX  that in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, that the credit reporting agencies provide actual proof the information was verified, not a computer-generated confirmation by asking for the method of communication and a description of the procedures used to verify the information, the names, business addresses, and phone numbers of each individual contacted with whom you verified the information with above, so that I may follow up, the date you contacted the individual furnishers of information, and if the furnisher provided you with my SSN, address and DOB. I also asked in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A, Number 7 that they provide the description of the procedure used in my reinvestigation to determine the accuracy and completeness of the information. They DID NOT provide any of the information I legally requested as allowed to me by law. And the fraudulent items disputed illegally REMAINED on my report. On XX/XX/XXXX for a 3rd time I reached out to dispute the fraudulent items reporting on my report by certified mail. XXXX  Tracking # XXXX, Equifax Tracking # XXXX, and XXXX  Tracking # XXXX. I warned them of my intent to file a complaint and asked for the same information requested in my second letter request with XXXX included. Equifax removed the last fraudulent item remaining on my credit. XXXX  only removed only 1 fraudulent item reporting, but ILLEGALLY re-inserted a previously removed item XXXX XXXX XXXX - Credit Card that is included on my Identity Theft Affidavit and continues to have XXXX XXXX - Auto Loan illegally reporting on my credit report. XXXX  also continues to report XXXX XXXX XXXX  - Credit Card and XXXX XXXX XXXX B - Auto Loan illegally reporting on my credit report. All agencies also did NOT provide me the information requested under FCRA Section 6-11 Subsection A-D and FCRA 611 Subsection A, Number 7 in these letters sent which is a violation committed once again. There are many violations committed here by the CRA 's.

Company response to consumer: Closed with explanation