Consumer complaint received 2018-12-31
Company: EQUIFAX, INC.
State: MO
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:
On XX/XX/XXXX I mailed Equifax a letter, asking for verification of an XXXX XXXX XXXX account that's been reporting on my credit report. In this letter I requested for Equifax to send me the documents used to verify this XXXX   XXXX XXXX account which they have failed to do so which is a violation of my FCRA rights, I also asked for the legally binding contract between the company reporting the debt and myself which Equifax failed to produce. I've ask Equifax now 2 times to produce documentation they used to validate the account, the person who verified the account as well as their contact information However, they did not supply to me the verification documents. 



I requested the following from Equifax and they have failed to produce any documentation used to verify the account or the persons who actually verified the account Where are the documents that you used to verify these accounts? 

What is the name of the person in your company who verified these accounts? 

What documents did they use to verify them? 

Please provide me with the name of that individual, their business address, and telephone number. 



XXXX Law Dictionary, defines Verify as : 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' And, Verification as,  Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 



What this means in your language is that Equifax must be willing, but most importantly, able to produce a document in your files that proves the account ( s ) in dispute belong to me, and the information being reported is accurate, and Equifax must be able to do this in a court of law, should I file a lawsuit against Equifax. Someone at Equifax must authenticate the documents in your files that were used to verify the disputed accounts, and to do this they must have first hand hand knowledge of the alleged account ( s ), and all that has ever transpired for the alleged account ( s ),  under oath and under the penalty of perjury. 

Current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure  the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. 



The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ) of the FCRA. 

Equifax has elected to ignore my previous request to provide me with the documents that they have in their files that they used to verify the disputed accounts, which means that they have NOT verified, or they can not verify, any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA. Therefore, Equifax is required to promptly DELETE all inaccurate information which can not be verified through  this process.

Company response to consumer: Closed with explanation